And I thought moving was going to suck balls

E

erinl

New member
Thanks sweetheart, it is real nice, I'll post pics when it's not such a clusterfuck. Not sure what your credit rating is, but for an FHA, you just need to be above 620.
 
Congrats. *Tries to see the picture*

*Edit*
Yeah I don't even know where tf I'm supposed to be seeing this picture. But yeah, good going on getting everything through. I always get real hopeful whenever someone buys a house. It shows, I could buy a house if I play my finances right...
 
Mine's probably nowhere near 620 at the moment. I just paid off a 3 year old bank account that my ex dug into the hole (no, not Hos, the guy I was with before him). That's paid off, and I have medical bills that are nasty buggers right now. So far, the only thing on my credit that's showing up as possibly harmful is one bill that I'm paying on. I don't know my score though, so that kind of sucks. I don't really want to pay for my score either. Blah.
 
I heard you are supposed to be able to get a free score rating somewhere.
I thank God for my parents. My mom knew what kind of trouble you can have with credit, so she made sure we always paid everything off plenty of time before due dates. We got a free quote once and two of the reports said our credit was perfect, and one said excellent.
(3rd one beaing the hardest to get a good rating on)
Because of their good credit, I have had credit companies send me credit cards with low interest rates and amounts already up to $2,500.
One thing to remember, just paying a credit card off is not enough to have good credit. Good credit is made by paying in cash, and paying bills off in time, and never being late with anything you pay on.
 
Credit ratings - is one thing I don't really get. If you have never borrowed money for anything you technically don't have a credit rating at all - so when you do need it, you can't get it. Some places flat out refuse to loan to you because you have no credit history whatsoever. That's fucked. Shouldn't they take it as "Oh this person must be good with repayments because they have never been late/ had to repay anything."?! Or: "they must be a drug dealer, hence always dealing in cash/ untraceable stuff."
 
It was in a link in my OP, I'll attach a pic on the end of this post.




Try that freecreditreport.com I did that before we started this whole deal. It is free, but make sure once you get it, that you cancel their service...otherwise, they will bill you after 30 days, or something. They try to sell you a credit monitoring service, which gives you alerts if your score changes, or if your identity is possibly stolen



That was one of my problems. I hate credit cards, and unless it's a car or something, I'll pay with cash. So really, I didnt have much credit, other than my truck, which I paid off last year. But, my score was good enough to get an FHA loan.
 
For some reason, when I try to get my credit score, it doesn't like me. It always tells me that more information is needed and to contact customer service.
 
Well, if I wanted to go all illegal about it, fake identity would be a way to go, but then I'd just have to start all over.

Besides, it's not worth the effort when I can just clear things up and build on what I have.
 
ID theft is pretty common these days; I bet no one would bat an eyelash until you start applying for huge loans and stuff.

Yeah maybe it's just that freecreditreport is too dodgy. It probably just wants to steal your identity like he said, so it keeps asking for info you don't wanna give it.
 
Well, a good way for a parent to help their child to build credit, is to include their child's name on their purchases of big items like a car. Have the child help pay on it, and you can begin to build credit with good credit of your parents.
 
That's an idea; too bad my parents don't think I'm fiscally responsible enough. Well, when I had income I was helping the mother out on paying off the car since I used it as well. But ever since that... no moolah to spend on that.
 
You can create an in-name-only company and use the tax ID (basically an SSN for a company) to apply for credit.

Also, if you have some money in the bank you can generally take a loan out on that money, setup auto-draft and sit back while you build credit. I did this in high school because the only thing I had reporting at that point was a cell phone (lol PrimeCo, if anyone remembers).
 
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