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Established Contributor
Posts: 866
Registered: ‎09-22-2011
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If you could start over what would you do different?

They say hind site is 20/20 so with what you have learned what would you differently now in establishing a credit history? 

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Posts: 2,876
Registered: ‎02-02-2012
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Re: If you could start over what would you do different?

Brush my teeth more and floss at least once a day.

 

Because that rung me up about $6000 in credit card bills, plus a 14.24% interest for that.

 

That and I would have apped for at least another credit card.

And maybe NOT bought one car with cash, get a loan just to have that in the history and then pay it off quickly.

Many things... many things indeed.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

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Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012
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Re: If you could start over what would you do different?

pay my bills on time not run up credit.. dont put my  mom and sisters on my cell plan... 


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
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Frequent Contributor
Posts: 485
Registered: ‎01-14-2012
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Re: If you could start over what would you do different?

I would know that bills dont just MAGICALLY disappear! And pay in a timely manner!

Just keep swimming...just keep swimming...just keep swimming, swimming, swimming....
Established Member
Posts: 141
Registered: ‎02-06-2012
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Re: If you could start over what would you do different?

Select comfort beds suck.  I wish I never bought that bed.

I didn't need a new fridge, I should have bought one off Craigslist instead.

I don't know why I didn't make the payments on the suit DH had to have, ugh.  That one will cost me for another 3 yrs.

Dad bailed me out of debt once, and I don't have anyone to help me if there is a next tiime.  So I'm making sure there isn't a next time.

It's easy to have crap credit.  It's hard to go from crap to grand.


2012 Starting Score: 536
Current Score: 538
2012 Goal Score: 650


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Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008
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Re: If you could start over what would you do different?

Keep track of things better, don't trust a financially irresponsible person with AU privileges, and distinguish wants from needs.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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Regular Contributor
Posts: 115
Registered: ‎08-26-2008
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Re: If you could start over what would you do different?

I would've created an emergency fund from the first day I gained employment. Prosecuted the girls who went on a shopping spree with my credit card. I would have went my gut instinct and NEVER bought anything from Aarons. Automated drafted for all my bills and educated myself on credit much sooner.

Starting Scores: EQ 506, TU 546 (11/30/2011)
Current Score: EQ 606, TU 615, 644
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Valued Contributor
Posts: 2,972
Registered: ‎02-09-2012
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Re: If you could start over what would you do different?

Never run up my first 5k CLI visa at 18 y/o.

 

Never closed my Mutual Fund I started right when I went into the Army.

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

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Valued Contributor
Posts: 1,142
Registered: ‎09-01-2011
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Re: If you could start over what would you do different?

I would have made sure that every time I moved, that even though the last bill -- even though it may have been labled "FINAL BILL" -- I would have made sure that there was NO more money owing whatsoever!!!! 

 

I hate those sneaky utilities that tag on more charges after the "FINAL BILL" so that those charges will go into collections.



Husband's Current Score: EX 691 CUSC; EQ 694; TU 687; Mine: EX 773 (AMEX); EQ 720; TU 750
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Contributor
Posts: 180
Registered: ‎02-05-2011
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Re: If you could start over what would you do different?


afbar1114 wrote:

pay my bills on time not run up credit.. dont put my  mom and sisters on my cell plan... 


DITTO!!!


Starting Score: TU-582, EQ-597, EX-520
Current Score: TU-582, EQ-524, EX-552
Goal Score: TU-700, EQ-700, EX-700


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