Sound advice

SlinkyRedfoot said:
I have a friend who opened a CC in his son's name and uses it to make some larger purchases and pays it off to build his son's score.

With only a few exceptions that involve 0% interest, I agree with you about not carrying a balance. CC interest is ridiculous.
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credit score is such a weird thing....like some of the things that affect it are wild to me.
 
41 posts and nothing about speakers, the fuck is this thread?
 
Is a dr?

Dr Phil What GIF by 8it
 
Kburjr said:
JBLs or or Bose or GTFO
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I have a set of tower speakers I need to sell off...and a center Infinity speaker...

just taking up space in my basement
 
ill said:
credit score is such a weird thing....like some of the things that affect it are wild to me.
Click to expand...

It’s pretty simple. Don’t assume that paying off loans and reducing your debts will grow you scores. Keep accounts open and balances fluctuating. Again, it’s all about responsibility managing debt, not avoiding debt.

Pay Your Bills on Time​

Payment history is the most important factor of your credit score, making up 35% of FICO® Scores☉.

Therefore, it's essential to pay all of your credit card bills on time. To have positive payments added to your credit report, you'll need to make at least your minimum payment by your due date. That said, it's best to pay your bill in full to avoid potential interest charges.

www.experian.com

How to Build Credit: A Comprehensive Guide

If you're looking to build credit, here are some steps you can take to get started on your credit journey.
www.experian.com www.experian.com
 
For some reason a lot of people think that as long as they pay a bill eventually, it won’t hurt them. 30, 60 and 90 day late payments will haunt you for life.
 
RobBase said:
It’s pretty simple. Don’t assume that paying off loans and reducing your debts will grow you scores. Keep accounts open and balances fluctuating. Again, it’s all about responsibility managing debt, not avoiding debt.

Pay Your Bills on Time​

Payment history is the most important factor of your credit score, making up 35% of FICO® Scores☉.

Therefore, it's essential to pay all of your credit card bills on time. To have positive payments added to your credit report, you'll need to make at least your minimum payment by your due date. That said, it's best to pay your bill in full to avoid potential interest charges.

www.experian.com

How to Build Credit: A Comprehensive Guide

If you're looking to build credit, here are some steps you can take to get started on your credit journey.
www.experian.com www.experian.com
Click to expand...

Dave Ramsey No GIF by Ramsey Solutions
 
RobBase said:
It’s pretty simple. Don’t assume that paying off loans and reducing your debts will grow you scores. Keep accounts open and balances fluctuating. Again, it’s all about responsibility managing debt, not avoiding debt.

Pay Your Bills on Time​

Payment history is the most important factor of your credit score, making up 35% of FICO® Scores☉.

Therefore, it's essential to pay all of your credit card bills on time. To have positive payments added to your credit report, you'll need to make at least your minimum payment by your due date. That said, it's best to pay your bill in full to avoid potential interest charges.

www.experian.com

How to Build Credit: A Comprehensive Guide

If you're looking to build credit, here are some steps you can take to get started on your credit journey.
www.experian.com www.experian.com
Click to expand...
don't you get dinged for test driving a car at a dealer?
 
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