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They say hind site is 20/20 so with what you have learned what would you differently now in establishing a credit history?
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
pay my bills on time not run up credit.. dont put my mom and sisters on my cell plan...
I would know that bills dont just MAGICALLY disappear! And pay in a timely manner!
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.
Keep track of things better, don't trust a financially irresponsible person with AU privileges, and distinguish wants from needs.
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.
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.
@afbar1114 wrote:pay my bills on time not run up credit.. dont put my mom and sisters on my cell plan...
DITTO!!!