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Essence
Posts: 59
Registered: ‎06-28-2012
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Re: I"m new to MyFico ... Just introducing myself

Welcome!
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julio87
Posts: 65
Registered: ‎03-12-2010
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Re: I"m new to MyFico ... Just introducing myself

WELCOME!!!!

Senior Contributor
Wolf3
Posts: 3,197
Registered: ‎01-24-2010
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Re: I"m new to MyFico ... Just introducing myself


Radio_Radiation wrote:

Wolf3, I meant I can't get prime cc and high cl without having a good credit score 

I have to figure have to reply to in the same box as the comment i'm refering to

 


To be more specific, you need good credit history and income to get prime CC, CL.    That is the important thing.

 

Credit scores are only part of the story and only useful when applying for credit.  

 

The obsessives on here like to maximize and watch their score on a daily basis.   They love low utilization and go nuts if they can't pay their balance before it reports.

 

I only obsess about never being late, because that is history that stays with you for a long time.  I have enough of that on my current report.     About once a year, I apply for new credit and I maximize my score with low utiliztation.  The rest of the time, I make use of 0% and the float and only worry about avoiding interest.  

 

Anyway you can learn a great deal here, so welcome.   

 

Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
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Re: I"m new to MyFico ... Just introducing myself

Welcome to the forums.... high CLs come from a slow and steady building of more than just score :smileyhappy:

Income; assets; prior use of your cards; payment history and amounts paid... all of this info goes into the magic box and spits out a very cool number... unless of course you apply for capital one platinum card; which only comes with 3 options as far as credit limit offered.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
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variableResistor
Posts: 41
Registered: ‎05-26-2012
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Re: I"m new to MyFico ... Just introducing myself

Your username is Radio Radiation. Are you a Ham radio operator?

Fifth Third Bank Closed 2008-2012 Joint $1,000 Limit $667 High Bal
US Bank Cash+ Visa Active since 2009 Joint $8,000Rev limit/NPSL $1,201 High Bal
Amazon Rewards Visa: Active since 2012 Individual $3,500 limit $1,342 High Bal
Amex BCE: Active since Jan 2014 Individual $3,300 limit 205 High bal
Salle mae rewards: Active since April 2014 Individual $2,400 limit
FICO: EXPN 736 EQFX 743 TU 762 (04/25/14)
INQUIRES: EXPN :11/2013,12/2013 EQFX: 11/2013 TU: 04/2014
Senior Contributor
Wolf3
Posts: 3,197
Registered: ‎01-24-2010
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Re: I"m new to MyFico ... Just introducing myself


variableResistor wrote:

Your username is Radio Radiation. Are you a Ham radio operator?


variableResistor.   Are you a volume control?  

Valued Contributor
annielorie
Posts: 1,206
Registered: ‎02-19-2012
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Re: I"m new to MyFico ... Just introducing myself

Welcome to the Cell Block!! It has become my standard greeting:smileytongue:  The knowledge you gain here will blow your mind literally.   Many people from many walks of life with one common goal a financially fruitful and successfull credit as well as fiscal future. Good Luck!!


Starting Score: 0
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Goal Score: 760

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