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Established Contributor
namvet
Posts: 866
Registered: ‎09-22-2011
0

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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FrugalRican
Posts: 2,876
Registered: ‎02-02-2012
0

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
afbar1114
Posts: 2,179
Registered: ‎01-09-2012
0

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... 


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Frequent Contributor
currentlywinning
Posts: 485
Registered: ‎01-14-2012
0

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
kel_be
Posts: 141
Registered: ‎02-06-2012
0

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
drkaje
Posts: 3,491
Registered: ‎07-25-2008
0

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
AFreshStart
Posts: 115
Registered: ‎08-26-2008
0

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
Repo-ed
Posts: 2,954
Registered: ‎02-09-2012
0

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.

Valued Contributor
discernment
Posts: 1,142
Registered: ‎09-01-2011
0

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
izzesparks
Posts: 180
Registered: ‎02-05-2011
0

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
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