BF feels I invest too much time in credit advice/improvement/allocation

[Anonymous]

I am extremely obsessive when it comes to credit. I have been adamantly trying to raise my credit scores and acheive an immaculate credit portfolio. So, I have a decent number of credit cards (10+), in addition to an auto loan. He feels my number is excessive... However, it's my understanding that you must have a pretty diverse and extensive portfolio so that your scores do not plateau. And, if we're being totally honest... I like having the different cards. I can't really say why I enjoy applying/acheiving new cards; especially prime ones. I just enjoy it. I'm also on the forums like ALL the time. And, I'm reading articles related to credit and what have you... As I've gotten older, it's become extremely important to me.

What do you guys think? Is this ecessive? Should I slow down? Or, is this totally acceptable?

[Anonymous]

As long as you're managing them responsibly I don't see why it's a problem. Some people build model airplanes, some people run marathons, some people enjoy being approved for credit cards.  Just beware of the "too many revolving accounts" denial.

[RaiseMyScoreASAP]

You can NEVER be too obsessive about your credit and your plan to achieve an excpetional score (over 800). Excellent credit is the key to so many things in life. It's just not about buying things you don't need. It's your word and your trustworhiness. Guard it closely. Treasure it. Respect it. Work for it.

[spydergto]

you have ten plus cards , what is your total amount of credit accross all the cards. there was another post here about a son not listening to his farther's advice. in that post he mentions he has ten plus cards or something like that and his dad asks him how much total and he tell's him 25k. the reason why im stating this is because i have that on three cards. its not alot compared to some , its alot more compared to where i was ten years ago. ten years ago i had 850 on two cards and destroyed my credit. 

if you have ten cards id imagine 100k in credit cards. my dad has a credit limit on one of his credit cards that is half of my yearly salary ... 

i think you should stop applying , and garden , perfect your report and CLI all your cards. I currently have no intention of getting a new card i only intend to CLI the ones i have. 

[SisterGirl]

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@RaiseMyScoreASAP wrote:

You can NEVER be too obsessive about your credit and your plan to achieve an excpetional score (over 800). Excellent credit is the key to so many things in life. It's just not about buying things you don't need. It's your word and your trustworhiness. Guard it closely. Treasure it. Respect it. Work for it.

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Excellent advice !

I spend a lot of time reading on this board & a lot offline time RELAXING with a good book. Evenyone asks me "Why aren't you posting on FB/Twitter ?" All I can say is if I could find something on either that will improve my lilfe one iota, I will be there". I'm not into "drama", "bathroom model posing", & keeping up with people going out to eat/taking trips that I know DANG well can't afford to (especially when you've asked to borrow money from me....and you have 2 repos on your credit reports).

Nah....I'm careful now of how I roll & rolling solo is not as bad as most think !

[RaiseMyScoreASAP]

I have never understood why people like Facebook and Twitter. Does anyone care that you just finished your laundry and cleaned your toilet? NO! I have spent my whole live trying to be anonymous and private. To me, it's like inviting people from all over the world to your house and letting them write anything on the house for the entire world to see and judge. And you let them write the most vile things about you and you invite it. I don't get it. On here I have learned so much and can contribute without being trashed and learn things that really make a difference in my life. With those in my life I communicate by having a conversation in person or at worst on the phone or private email or text. I suppose today that is viewed as mysterious, but should my coworkers and colleagues and people I just met know the intimate details of my life? NO! I can't imagine how hard it is for young people today knowing that every move they make could be on YouTube for a lifetime. For all I can see Twitter and Facebook are only good for getting people in trouble and fired and assaulted. 

[SisterGirl]

And that's the truth ! It's interesting to see how many people my age (52 yrs)  that don't have a thing creditwise to show for themselves. I'm not speaking like they should have every credit card out there, but you buy every car you've ever owned at a "tote the note" car lots & scouting around every month for the lowest car insurance to pay that month until you find another for the next month !  And you are BIG on the intemet appearing to live like the king/queen you're NOT !

I could go on & on about the horror stories of payday loans, selling food stamps for gas money, apartment rent late EVERY month, etc....and I just don't see how it would place any value to the betterment of anyone. Now don't let me start on those who don't even know (or will ask) for a better APR or credit line - nor a better CARD in general. But you spend ALL this time on FB/Instagram posing and showing what is important.....and that is what OTHERS will think of you instead of what  you think of yourself. It's a sad day & if being popular is the way to go, I guess I will be the most unpopular girl in the world !

[Fox342]

I think you can be too obesessive about anything.  With that said I don't think there's anything wrong with wanting a great credit score.  If you're that much into credit scores then you know what it takes to improve your score....on time payments and credit history are the biggies and they just take time.

I don't think you need that many credit cards to have a great credit score though...but I also don't think that's a huge amount of cards.  

Fox

[mmmlive1999]

Credit is my hobby and I too talk about it, with friends and family,like it's going out of style😁 But after seeing my strides and massive credit improvements, my BF eventually asked me to help bring his scores up. I love the boards and coming on here and getting advice that has improved my financial stability and put me in a position to buy my own home.

Keep up the good work and hopefully your BF will come around.

[Anonymous]

Tell him to read up and join you, he will become the same way!