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Breathe In....Breathe Out.....count from 1-10 real slow..............now what's been going on????
ah32 wrote:I've had it. I'm ready to walk away from this credit bullXXXX and only buy things with cash. I'm tired of trying to make sure I use my card, even though I don't want to, to keep a balance between 1-9%. It's lots of fun on a $300 joke of a credit card. It takes seconds to have incorrect items put on my credit report and months to get it removed. FXXK this! I'm ready to close out everything and say to hell with credit! I'll rent and just continue to pay cash for everything. No more late fees because you think you have a 10 day window, but that it's really nine because if you pay on the 10th day you get charged. Thanks for the update Wells Fargo. Life sucks! I want to go back to the good old days where a person's name was all they needed. I'm a good person and I'm tired of feeling like SXXX! I think about credit on a daily basis! No more!
ah32 wrote:I've had it. I'm ready to walk away from this credit bullXXXX and only buy things with cash. I'm tired of trying to make sure I use my card, even though I don't want to, to keep a balance between 1-9%. It's lots of fun on a $300 joke of a credit card. It takes seconds to have incorrect items put on my credit report and months to get it removed. FXXK this! I'm ready to close out everything and say to hell with credit! I'll rent and just continue to pay cash for everything. No more late fees because you think you have a 10 day window, but that it's really nine because if you pay on the 10th day you get charged. Thanks for the update Wells Fargo. Life sucks! I want to go back to the good old days where a person's name was all they needed. I'm a good person and I'm tired of feeling like SXXX! I think about credit on a daily basis! No more!
ah32 wrote:I've had it. I'm ready to walk away from this credit bullXXXX and only buy things with cash. I'm tired of trying to make sure I use my card, even though I don't want to, to keep a balance between 1-9%. It's lots of fun on a $300 joke of a credit card. It takes seconds to have incorrect items put on my credit report and months to get it removed. FXXK this! I'm ready to close out everything and say to hell with credit! I'll rent and just continue to pay cash for everything. No more late fees because you think you have a 10 day window, but that it's really nine because if you pay on the 10th day you get charged. Thanks for the update Wells Fargo. Life sucks! I want to go back to the good old days where a person's name was all they needed. I'm a good person and I'm tired of feeling like SXXX! I think about credit on a daily basis! No more!
Jontevius wrote:I'm not quite understanding where everyone is getting the idea that keeping their utilization rate between 1-9 percent is what they HAVE to do to obtain good scores but hey I'll tell you it's non sense. Creditors see anything below 30% as good credit managment and usage.
Jontevius wrote:
I don't usually post I spend my time retaining alot of this information or at least what I deem vital, but your frustration concerns me. Hey I've been working witha $250 credit limit for the longest with Citi Bank and trust me it blows. I'm living on an account age average of 4 years and have numerous amounts of hard inquiries. I was denied back and forth for credit and credit increases. So instead I decided to play the credit game. I'm not quite understanding where everyone is getting the idea that keeping their utilization rate between 1-9 percent is what they HAVE to do to obtain good scores but hey I'll tell you it's non sense. Creditors see anything below 30% as good credit managment and usage. I use the low limit credit card for the same thing every month, to pay my 50 dollar cell phone bill automatically, the same time every month. And pay the balance off in full with the money you would have used to pay your phone bill with cash. I really recommend you check out phillip tirone's 7 steps to 720. It will explain all what seems to be a blur right now.TransUnion - 722Equifax - 712Experian - 718The best you could do is to create a budget and stick to it. I have student loans, paid installment loans, and a few revolving accounts. My debt to income ratio is pretty good, MYFICO offers great advice and tools such as the score simulations. Don't let the stresses and hardships of trying to obtain credit and build credit be the end for you. Take it one step at a time with what you can do. Hey i'll tell you what, I would like to think I have pretty ok scores but I still get denied because though we know the exact percentages the FICO formula uses, NO ONE but FICO knows the combination in how it is being applied. It's a strange paradox, in order to build credit you need credit but can't get credit without good credit history and credit scores. Just please don't become a cash only citizen, play the game a little longer to experience the power of GOOD CREDIT.