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I honestly believe we should start to take some of Suze Orman's advice on rebuilding and maintaining our credit...
When I first heard about Suze Orman, I began to follow her advice and rebuilt my credit. However, in Nov 2011, my 700s scores started to fall because of my own undoing!
Well, I am back on board with Suze's advice and I would like to see more postings on what she suggest.
Does Anyone else agrees...
Although I am a fan of Suze's her advice is normally geared toward money management and not so much your credit score. Although I will agree that sound money management principles will lead to a solid credit record the focus on these forums is toward "How do I maximize my score to achieve...".
I was able to get myself onto the right track in terms of credit and personal finance by following Suze Orman's advice. I read all her books and watch her TV show and it's made a massive difference. I'm actually giving a copy of "The Money Book for the Young, Fabulous, and Broke" to my sister as a high school graduation present along with my own personal notes to set her on the right financial path.
@ Lithium78: I agree. Though her books are more geared toward investments, building that nest egg; she does talk about credit. She also talks about the options one can take to pay off debt.
Honestly, one can't put money into a 401K unless you have money freed up to save for retirement. In addition, a person can build that Fico Score to 800, but that does not guarantee a mort loan. I know someone who has a score near 800 yet their income is too low to afford a house or condo, not to mention having a 401K..
Also, the best advice I learned from Suze: Money first, People, then things.
If a person is so focused on getting that High Fico Score; I kinda wonder what type of person they are in the areas of life that count more than that high Score.
Hence, I would like to see that person take their score to the grave. I'm just saying...