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Mega Contributor
Creditaddict
Posts: 11,320
Registered: ‎10-23-2007

Re: Save score or money

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‎07-29-2012 04:35 PM

1.  Well you have a 744 Score if that's up to date so I don't know why you would be very concerned about score unless you are trying to close on a mortgage.

2.  How much are we talking on original purchase, because that 6 months is accrued.... but this Fab. BT is it free transfer or 3,4%? That could take away savings.

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Valued Contributor
drkaje
Posts: 2,999
Registered: ‎07-25-2008

Re: Save score or money

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‎07-29-2012 04:59 PM

@ca,

It's a no fee BT.
Starting Score: 675
Current Score: EX 753 FICO, EQ 750 FICO
Goal Score: 776 FICO

Take the FICO Fitness Challenge
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Established Contributor
emptypockets
Posts: 537
Registered: ‎02-03-2009

Re: Save score or money

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‎07-29-2012 06:16 PM

Walt_K wrote:

The answer is always money.  The only time the answer is score is if you have an application like an auto loan or mortgage coming up where you need extra points to get a better rate.  And you want that better rate to save money, so the answer is still money.

+1
CC's: AMEX Delta/BCP/HH, Alliant Visa, PenFed AMEX, Nordstrom Sig Visa, Lowe's, BBRZ Plat, US Bank Visa Sig Cash+, Chase CSP/Freedom/Marriott, UMB Visa, Dillard's AMEX, US Airways MC, Barclay's NFL Visa, Home Depot, Citi Diamond Pref./Dividend, Discover More, Walmart Discover, Cabela's Visa, Cap One Cash Rewards Visa, BOA Better Balance Rewards MC, Jared, Kohl's, Macy's.

Current Scores: EQ (5/19/13): 743; TU (MyFico 5/19/13):766; Walmart TU Fico 08 (6/3/13): 799; EX (6/14/13: 790
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Valued Contributor
drkaje
Posts: 2,999
Registered: ‎07-25-2008

Re: Save score or money

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‎07-29-2012 06:49 PM

Short term, 6 to 8 months, I'd be better positioned for a CLI if willing to suck it up in the BillMeLater account.

No mortgage but do need a car within 2 months.
Starting Score: 675
Current Score: EX 753 FICO, EQ 750 FICO
Goal Score: 776 FICO

Take the FICO Fitness Challenge
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