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Visitor
Posts: 1
Registered: ‎02-27-2009
0

Re: Never Be Late, Ever

This is good info. Wish I would have read it 2 years ago.
Established Contributor
Posts: 749
Registered: ‎10-04-2010
0

Re: Never Be Late, Ever

Loved this post. Had to bump it up. Never ever be late!!!!!

BK in 2008, after making very stupid financial decisions.

Barclay's Apple Financing Card ($6400) --- Capital One Quicksilver ($13,000)---GEMB CareCredit ($5700) --- AUFCU ($10000)--- Walmart ($5000)

FICO Scores: TU 735 EQ 709 EX 740 (Feb 2013, all pulled by lender)

Senior Contributor
Posts: 3,889
Registered: ‎05-24-2011
0

Re: Never Be Late, Ever

This is a winner of a post for sure.

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Established Contributor
Posts: 749
Registered: ‎10-04-2010
0

Re: Never Be Late, Ever

Never, ever, ever. Pay your bills on time :smileyhappy:

BK in 2008, after making very stupid financial decisions.

Barclay's Apple Financing Card ($6400) --- Capital One Quicksilver ($13,000)---GEMB CareCredit ($5700) --- AUFCU ($10000)--- Walmart ($5000)

FICO Scores: TU 735 EQ 709 EX 740 (Feb 2013, all pulled by lender)

Frequent Contributor
Posts: 470
Registered: ‎02-07-2011
0

Re: Never Be Late, Ever

[ Edited ]

We should build a "Commandments for Credit list"

 

 

1. Never pay late

2. Don't max out your cards

3. Garden unless you have a reason not to

4. Available credit does not equal available spending money

5. Monitor your reports

6. Never pay late (just to reiterate)

7. Apply only for credit you need

8. Know thy fees - read all terms of conditions before applying for credit

9. Be weary when co-signing

 

Just throwing that out there...

"Credit is purely a cash flow tool. Thinking of credit as extra money you didn't have before makes it an EXPENSIVE cash flow tool."
Contributor
Posts: 208
Registered: ‎05-28-2012
0

Re: Never Be Late, Ever

Great post and info in here!

Credit Karma - 636 8-12-12 USAA
Credit Rebuilding Mode - Cap 1 Plat(500CL) SHOW MC(300CL)
Clean Up Mode - Goal - No New Apps till 6/2013
Frequent Contributor
Posts: 673
Registered: ‎04-23-2009
0

Re: Never Be Late, Ever

Haha I love this article, it's so true!  Do everything you can to always be early computer systems can have delays and weekends and holidays always confuse people and  computers so always  always be early. 


Starting Score: EQ FICO 777
Current Score: EQ FICO 803
Goal Score: EQ FICO 810


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Regular Contributor
Posts: 188
Registered: ‎10-15-2008
0

Re: Never Be Late, Ever

I remember this post.  Back when I had three very fresh lates on my report.  Have not been late since.  I am glad someone brought it back. 

New Member
Posts: 4
Registered: ‎02-04-2008
0

Re: Never Be Late, Ever

I love your post!! You are 100% right!! NEVER BE LATE!! NEVER!!!

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