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My Credit Score is Better Than Yours (VANITY)
me | 8/21/07 | me

Posted on 08/21/2007 1:00:50 PM PDT by the_devils_advocate_666

I just went through the process of getting my wife a new (well, 2006 anyway) car. I had wanted to save enough to pay cash but my old car wasn't going to hold out quite that long. So off to the bank to secure the extra funds. In the process I found out today that my credit score was 819. The loan officer said he'd only seen one higher score. He's young, so maybe it isn't all that great, but...

What does a credit score like 819 do for me? Is there anyway I can leverage this to my advantage in the future? What's the highest possible credit score?


TOPICS: Your Opinion/Questions
KEYWORDS: 900; credit; lending; loans; money; nodebtbetter
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To: queenkathy

“””How can child support, on an almost 18 yr old, be retroactive? You must have had a terrible attorney”””

In the State of Florida, and I’m assuming elsewhere, child support laws are set up strongly to favor custodial parents. Did I think this was possible? Did my attorney think this was possible? NO! The female judge sure thought it was possible, and she thought it was just.


101 posted on 08/21/2007 1:36:58 PM PDT by jsh3180
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To: Hydroshock
"The best credit score is enough money in the bank to buy what you want and need without credit. It is better to be able to borrow a million or to have a million?"

Translation: Act your wage.

102 posted on 08/21/2007 1:37:04 PM PDT by Ignatz (NPC's have feelings, too!)
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To: the_devils_advocate_666
Until this car loan the only debt I had was our house. But my plan will be to have the car paid off by the end of the year. Use the credit cards because I like the cash back but always pay off the balances every month. I dream of the day I can pay off the house...

I like your attitude--perhaps because it is not very different from my own.

As concerning your desire to pay off your mortgage, I would strongly suggest that you procure an amortization schedule. When we refinanced our condo in the early 1990s, a co-worker of my wife offered us this tip. And it worked. Big time!

At the time of our re-fi, we owed about $40,000. By making an extra principal-only payment each month (NOTE: this is a separate transaction; it must NOT be conflated with the regular monthly payment), we saved over $19,000. Not bad, since that is about half of the beginning balance.

In the beginning, we were able to retire an entire monthly payment for around $5. (No, that is not a joke!) Although the amount of principal rises gradually, it does so at the rate of only about a dollar or two per month--a negligible amount.

I truly hope you will try this (assuming, of course, that the terms of your mortgage do not authorize the lien-holder to penalize you for making pre-payments). It saved us a real bundle of money--as well as retiring our final debt.

(NOTE: Even if you itemize when you do your taxes, and take the home-mortgage deduction, that does not come anywhere close to saving you the kind of money that this will.)

103 posted on 08/21/2007 1:37:14 PM PDT by AmericanExceptionalist (Democrats believe in discussing the full spectrum of ideas, all the way from far left to center-left)
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To: rabscuttle385

Saw mine for the first time as part of an identity-theft program (reputable company).

It’s probably not worth worrying about small differences. I saw some interesting explanations for my score (around 800).

First, I have a couple of credit cards that I usually don’t use (keep them as a “safety” back-up). It turns out that will lower a score by some (small) amount.

Also, one credit-reporting organization said I had a balance of about $2,000 on a card, which also was supposedly a negative. Turns out I always pay off the card I use monthly
so it was somewhat of a surprise (if the report had been done one week later the balance would have been zero!).

Finally, big purchases (such as a car) are always paid in cash, so the credit-reporting organization has no info to make an estimate (sounds almost like what’s been happening in the sub-prime mortgage market?).

I suspect the person who said 720 or above is good has it right.


104 posted on 08/21/2007 1:37:18 PM PDT by Sigurdrifta
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To: AppyPappy
Most of them are owned by the same company.

Some credit issuers will allow an individual to open multiple cards. Others won't. Go figure.

Plus, the 30-40 figure included business cards, which (apparently) generally have higher limits than individual cards.

105 posted on 08/21/2007 1:37:40 PM PDT by rabscuttle385 (Sic Semper Tyrannis * U.Va. Engineering '09 * Friends Don't Let Friends Vote Democrat * Fred in 2008)
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To: the_devils_advocate_666
"What does a credit score like 819 do for me?"

Apparently it gives you an excuse to post a vanity telling us all about your credit score.

"So who can top my 819?"

Very telling comment. Had you just been interested in what your credit score really could do for you, you could have asked your banker or CPA, or you could have posted a one line vanity asking what a credit score of 819 was worth. But instead you give us the whole story and then challenge everyone else to try and top yours.

Just my $0.02, and worth exactly what you paid for it. ;-)

106 posted on 08/21/2007 1:37:51 PM PDT by JustaDumbBlonde
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To: JeanS

First off, 780s is nothing to sneeze at and more than “good enough” as 720 is about the highest most lenders expect - anything higher is gravy.

Secondly, if you have “too little” credit, it can impact your score negatively, since there’s less ‘track record’ to go off of.

Keeping your credit card balances at 1% to 9% of total limits, with no more than 4 cards with balances, is the best.


107 posted on 08/21/2007 1:38:35 PM PDT by RockinRight (Fred Thompson once set fire to a crowd of liberals simply by puffing his cigar and staring real hard)
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To: rabscuttle385

gap coverage is best gotten thru your auto insurance agency. you can take it off at anytime that way. if you get it thru the dealer, they charge you for coverage for the full term up front, then add it onto the loan.
as far as financing.. some of us feel greater need to have a reliable vehicle. if it were just for me, i’d buy a beater for cash, but having wife and kids, i feel more comfortable with a car with a warranty, that i know is going to start every time i stick my key in it.


108 posted on 08/21/2007 1:38:46 PM PDT by absolootezer0 (stop repeat offenders- don't re-elect them!)
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To: Ignatz

Actually, it’s better to borrow the million WHEN you have a million - so as to keep the million earning money for you in interest or investments.

;-)


109 posted on 08/21/2007 1:39:29 PM PDT by RockinRight (Fred Thompson once set fire to a crowd of liberals simply by puffing his cigar and staring real hard)
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To: Lazamataz; RockinRight

My Brother in law went to a bank to get a car loan, after checking his fico score they asked for the calender back and check that they got all their pens.


110 posted on 08/21/2007 1:40:51 PM PDT by Hydroshock ("The Constitution should be taken like mountain whiskey -- undiluted and untaxed." - Sam Ervin)
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To: jsh3180

Funny how they never manage to make a child support decrease retroactive to the day you lost your job...


111 posted on 08/21/2007 1:40:56 PM PDT by Yo-Yo (USAF, TAC, 12th AF, 366 TFW, 366 MG, 366 CRS, Mtn Home AFB, 1978-81)
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To: absolootezer0
None of the insurers we have talked to (Geico, Unitrin, Progressive, etc.) have offered GAP coverage, but my dad has always obtained it through our credit union, rolled into the auto loan.

It's usually about $200 for the life of the loan.

For my family, it's important because the cars we buy are good quality but suffer from rapid depreciation (think Mitsubishi or Hyundai here).

112 posted on 08/21/2007 1:41:50 PM PDT by rabscuttle385 (Sic Semper Tyrannis * U.Va. Engineering '09 * Friends Don't Let Friends Vote Democrat * Fred in 2008)
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To: Sigurdrifta
Also, one credit-reporting organization said I had a balance of about $2,000 on a card, which also was supposedly a negative. Turns out I always pay off the card I use monthly so it was somewhat of a surprise (if the report had been done one week later the balance would have been zero!).

It may not have made a difference. Each creditor (credit card company, mortgage lender, etc) reports once a month, on the same day. What you need to do is find out what day of the month that credit card reports, and pay it all off but 1% of the limit. Then pull credit a couple days later. Then feel free to pay the remainder off.

Reason is that the best balance is to use the card, but not too much - in other words, use between 1% and 9% of your available credit.

However, at your score, who really cares? You're far above 720.

113 posted on 08/21/2007 1:42:23 PM PDT by RockinRight (Fred Thompson once set fire to a crowd of liberals simply by puffing his cigar and staring real hard)
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To: Hydroshock

LOL!!!


114 posted on 08/21/2007 1:43:01 PM PDT by RockinRight (Fred Thompson once set fire to a crowd of liberals simply by puffing his cigar and staring real hard)
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To: Jaysun
Live below your means. That’s the only way to get rich.

Amen.

For more on this I recommend the 1996 bestseller, The Millionaire Next Door, which points out that most American millionaires are not ultra-high earners; rather, most are ordinary Americans with unremarkable lifestyles, who simply live way beneath their means, and save the difference.

115 posted on 08/21/2007 1:43:48 PM PDT by AmericanExceptionalist (Democrats believe in discussing the full spectrum of ideas, all the way from far left to center-left)
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To: RockinRight

Thanks, it does make sense after all.


116 posted on 08/21/2007 1:46:37 PM PDT by Jean S
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To: RockinRight
I have 3 BIL’s and 2 can’t seem to pay attention regularly, much less their bills. I get calls from bill collectors for them every so often. I tell them I will convey any message but will not give them any info.
117 posted on 08/21/2007 1:46:47 PM PDT by Hydroshock ("The Constitution should be taken like mountain whiskey -- undiluted and untaxed." - Sam Ervin)
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To: AmericanExceptionalist
I’ve read the book and love it. I have no formal education but I myself am a millionaire next door. It’s not very difficult, just takes a bit of determination.
118 posted on 08/21/2007 1:47:02 PM PDT by Jaysun (It's outlandishly inappropriate to suggest that I'm wrong.)
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To: JeanS

I believe part of the score is payment history. No history, no score.


119 posted on 08/21/2007 1:47:10 PM PDT by Ben Mugged (Thanks Mom for not considering me a "choice".)
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To: rabscuttle385

does gap availability vary by state? i had gap when i went thru progressive.


120 posted on 08/21/2007 1:47:11 PM PDT by absolootezer0 (stop repeat offenders- don't re-elect them!)
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To: AmericanExceptionalist

The millionaire will buy a 3 or 4 year old Toyota while the Joneses buy a new BMW...stuff like that.


121 posted on 08/21/2007 1:47:20 PM PDT by RockinRight (Fred Thompson once set fire to a crowd of liberals simply by puffing his cigar and staring real hard)
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To: absolootezer0
It might. We are in Virginia, and Progressive did not offer GAP coverage.
122 posted on 08/21/2007 1:48:49 PM PDT by rabscuttle385 (Sic Semper Tyrannis * U.Va. Engineering '09 * Friends Don't Let Friends Vote Democrat * Fred in 2008)
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To: rabscuttle385

If you have to buy Gap insurance, you may need to rethink what you are doing.


123 posted on 08/21/2007 1:51:37 PM PDT by AppyPappy (If you aren't part of the solution, there is good money to be made prolonging the problem.)
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To: Ben Mugged

Thanks, RockinRight said the same thing.

Hey, do you think I can convince my husband to let me shop more? I could use a new wardrobe.


124 posted on 08/21/2007 1:53:00 PM PDT by Jean S
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To: RockinRight
Actually, it's better to not borrow at all.
Let's say you had a million dollars earning 10%/year.
You want to buy a million dollar house, so you borrow against your million at 5%. Now, you're only getting 5% effecetively on your million, and we haven't even discussed taxes yet!
Ok, so let's say that after all yearly taxes and fees are taken out, your million is earning 3% effective, against your million dollar mortgage.
3% is about the average rate of inflation, so you are not gaining purchasing power at all.

What if, instead, you paid a million CASH for your house, and then put the money you WOULD have been paying out in mortgage principle and interest each month for the next fifteen or 30 years into investments? In pretty short order you'd have your million back and earning 10% again, AND you'd have a paid-for house!

125 posted on 08/21/2007 1:53:04 PM PDT by Ignatz (NPC's have feelings, too!)
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If I’m debt free, own a house and car, have only 1 active credit card, am I an automatic max score?


126 posted on 08/21/2007 1:54:06 PM PDT by isom35
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To: the_devils_advocate_666
Image and video hosting by TinyPic :]
127 posted on 08/21/2007 1:55:54 PM PDT by 007girl
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To: the_devils_advocate_666

My HELOC keeps mine down in the high 700’s. Oh well.


128 posted on 08/21/2007 1:56:53 PM PDT by SandyInSeattle (Some people are like slinkys, the idea of them tumbling down a flight of stairs makes you smile.)
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To: RockinRight
The millionaire will buy a 3 or 4 year old Toyota while the Joneses buy a new BMW...stuff like that.

Exactly. It is my understanding that when Sam Walton died, he drove a seven-year-old Ford pickup. And he was a billionaire (with a "b"), about two or three times over.

The father of my closest friend in the late 1960s and early '70s lived in a working-class neighborhood and drove an automobile that was nowhere near new. And he was a millionaire--at a time when a million dollars was the equivalent of several million today.

129 posted on 08/21/2007 2:00:36 PM PDT by AmericanExceptionalist (Democrats believe in discussing the full spectrum of ideas, all the way from far left to center-left)
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To: AppyPappy
If you have to buy Gap insurance, you may need to rethink what you are doing.

Not necessarily. The coverage protects (to an extent) the borrower in the event that the collateral auto is totaled, and the insurance proceeds are less than the loan balance. Living in Northern Virginia, especially with plenty of illegals driving about (some without insurance), means we should probably buy this coverage.

It's the same way with collision and comprehensive coverage.

If I had cash to pay for a car and to replace the car, in the event of an accident or other damage, then I would not really need all of those coverages, now woudl I?

130 posted on 08/21/2007 2:00:54 PM PDT by rabscuttle385 (Sic Semper Tyrannis * U.Va. Engineering '09 * Friends Don't Let Friends Vote Democrat * Fred in 2008)
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To: JustaDumbBlonde

Wow, smacked down in my moment of gloat!


131 posted on 08/21/2007 2:03:51 PM PDT by the_devils_advocate_666
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To: the_devils_advocate_666

I think the thread’s stayed remarkably on track considering what FReepers are capable of. ;)


132 posted on 08/21/2007 2:04:46 PM PDT by Tijeras_Slim
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To: Ignatz

I’m saying borrow the million as a mortgage, leave the other million alone in my example.

$1,000,000 earning 10% per year after 30 years:

$17,449,402.00

Cost of borrowing $1,000,000 for 30 years at 7% interest:

$2,395,087.20 in principal and interest at an amortized payment of $6653.02/mo principal and interest (we don’t count principal in cost since it is re-added to home equity and assets)

Net result, not including tax benefits of a mortgage:

$15,054,314.80 plus a paid-off house at the end of 30 years.

Alternative:

Spend the million on the house. You now have zero. Let’s forget for a moment the inherent risk in spending every dime you have.

Put the mortgage payment equivalent in an account earning 10% - that’s $6653.02/mo for 360 months. With no interest deduction. The interest deduction matters because you’re investing what your interest would have been, so your monthly outgo is the same.

Total Investment Value after 30 years in this example:

$15,039,071.00

$15243 more to take the loan and leave the million alone. Not a huge difference, until you consider that it would also take the ENTIRE 30 years to build up the same amount you would have had had you left the million alone. Also - you have to consider the tax benefits of a mortgage.


133 posted on 08/21/2007 2:05:18 PM PDT by RockinRight (Fred Thompson once set fire to a crowd of liberals simply by puffing his cigar and staring real hard)
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To: Tijeras_Slim
I think the thread’s stayed remarkably on track considering what FReepers are capable of. ;)

Hey now, don't give the other FReepers ideas :P

134 posted on 08/21/2007 2:06:06 PM PDT by rabscuttle385 (Sic Semper Tyrannis * U.Va. Engineering '09 * Friends Don't Let Friends Vote Democrat * Fred in 2008)
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To: RockinRight
The millionaire will buy a 3 or 4 year old Toyota while the Joneses buy a new BMW...stuff like that.

The wealthiest people I knew growing up (worth ~$50-100 million in the '60s) drove Fords.

135 posted on 08/21/2007 2:06:06 PM PDT by CatoRenasci (Ceterum Censeo Arabiam Esse Delendam -- Forsan et haec olim meminisse iuvabit)
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To: rabscuttle385
Hey now, don't give the other FReepers ideas :P

That's way, way over my pay grade... and credit score. ;)

136 posted on 08/21/2007 2:08:28 PM PDT by Tijeras_Slim
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To: RockinRight

“If you can verify income, the “reserves” requirements in addition to down payment funds should have been no more than 2 months worth of mortgage payment.”

Significantly more.

“What repairs were needed? They might not have been as “stupid” as you think.”

Reattach loose trim strip in bedroom, seal joints in (seamless!) gutters, repair torn screen, etc.

“What area are you in BTW?”

North Central WV.

I do realize that my loan was different. The house was an FHA repo. I took advantage of one of their year end inventory reduction sales and was able to get the house for $100 down and a whole lot cheaper than its appraised value. I have a few year old appraisal of it that had not taken into account the increased property values in the area, the new windows, new roof and lots of other things. I know the comps that their appraiser used and he scratched the bottom of the barrel. I am a cheap b#stard and made a rediculously low offer. FHA took it. I should have told the bank what to do with their loan, but that would have meant scrapping my contract with the FHA.

BTW - I had the loan officer state in email that I was required to use a certain appraiser, because he was the only FHA approved appraiser in our area. There are actually 13.


137 posted on 08/21/2007 2:13:38 PM PDT by FreeInWV
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To: the_devils_advocate_666

I bet I got the longest credit report.


138 posted on 08/21/2007 2:16:50 PM PDT by Always Right
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To: Hydroshock

Both! The beauty of credit is it allows one to borrowoney at favorable rates without losing the principal. It’s a way to get a bit of leverage if used sanely.


139 posted on 08/21/2007 2:17:54 PM PDT by Freedom4US
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To: 5Madman2
The young man down the street is going through a divorce after his wife ran off with a male nurse from the hospital.

She left him with a 700,000 dollar mortgage and 85,000 worth of credit card debt.

They were a two earner couple with twin Mercedes with car notes.

The wife makes about twice as much as him being the administrator of a large community business.

He has a very good attitude and told me jokingly that his credit score was zero after filing for Chapter 7.

However,he is getting all kinds of credit card offers and the local car dealer/salesman called to say he had a hell of a deal on a new Lexus.

140 posted on 08/21/2007 2:19:33 PM PDT by OKIEDOC (Kalifornia, a red state wannabe. I don't take Ex Lax I just read the New York Times.)
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To: Tijeras_Slim
I think the thread’s stayed remarkably on track considering what FReepers are capable of. ;)

LOL, you are so right. It's a great thread, I'm glad it was posted.

141 posted on 08/21/2007 2:20:51 PM PDT by Jean S
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To: OKIEDOC

Several credit card companies will give a recently-bankrupted person a $300 limit on an unsecured, but high-fee, credit card.

It’s actually a good way to re-establish yourself. The companies charge such high fees to start with, they figure they have little to lose issuing the card. Besides that, a person can’t file bankruptcy again for 7 years, so they can’t walk away that easily.


142 posted on 08/21/2007 2:27:50 PM PDT by RockinRight (Fred Thompson once set fire to a crowd of liberals simply by puffing his cigar and staring real hard)
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To: the_devils_advocate_666
"So off to the bank to secure the extra funds"

Since I never use debt, I have no reason to know my credit score.

Checkmate!

143 posted on 08/21/2007 2:31:19 PM PDT by Uncle Miltie
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To: the_devils_advocate_666

My credit Score is in the dumper...so you win! Congrats!


144 posted on 08/21/2007 2:32:36 PM PDT by 4yearlurker (All comments now being monitored by BOR. He's looking out for you!)
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To: RockinRight

I had a 825, paid off my house, 1 yr later when I went to get a loan for 30 k to buy a new house, it went down to 809. I never paid a dime of interest on a credit card, have always paid off any car loan in 6 months, and dump thousand a month to get rid of this 30k loan which is now down to 8k. These good rates generally get you a better rate when getting any loan. they also refer to how much debt a bank is willing to risk on you.


145 posted on 08/21/2007 2:36:05 PM PDT by mriguy67
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To: Ocracoke
Every time your credit is checked, even if you check it yourself, your point rating will drop...go figure.

That is a commonly held misconception. If you are shopping for a mortgage or an auto loan, a number of credit checks from various inststutions over a reasonable time period are expected. You are, after all, only seeking one mortgage or car loan. On the other hand, if you are shopping equity loans, personal lines of credit and new credit cards all at the same time, that becomes a red flag to the lenders.

146 posted on 08/21/2007 2:38:01 PM PDT by JimRed ("Hey, hey, Teddy K., how many girls did you drown today?" TERM LIMITS, NOW!)
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To: the_devils_advocate_666

My dog has a credit card, and his credit score is really high. It’ll probably get shaved a few points next week when he buys a fishing boat.


147 posted on 08/21/2007 2:40:06 PM PDT by sergeantdave
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To: mriguy67

Last time I checked my Trans Union credit score it was +931 out of a possible +934.


148 posted on 08/21/2007 2:40:47 PM PDT by Jambe
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To: Jambe

One other thing to try is use an interest only line of credit to buy your car. I have one as my 1st lein on my mortgage. on a 10k loan you may only pay 72$/mo for this 10 k, which gives you xtra money to apply to the principle. as your principle goes down so does your payment, but if you end up short of money in a month, you arent stuck with a 250$ car payment, howver as your balance gets down to 5 k etc.. your interest payment is very small. this is how I went about paying off a 90k mortgage in 4 yrs.


149 posted on 08/21/2007 2:49:29 PM PDT by mriguy67
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To: PBRSTREETGANG

My wife and I have a 1725.


150 posted on 08/21/2007 3:08:28 PM PDT by Old Professer (The critic writes with rapier pen, dips it twice, and writes again.)
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