@Anonymous wrote:
@BSBRose21 wrote:
1. Boyfriend - only a technical term. We have been together almost six years, home loan together, joint checking account along with our own checking accounts. Basically, the couple that chooses toys over paying for a $10,000 wedding.
2. After the unfortunate layoff, at 26 I learned a harsh reality. Now we have seven months in cash saved "just in case"
3. My other scores before paying off cc's (three which have limits of 300, 500, and 1000 - all maxed out, but able to pay off anytime) are roughly 650 and 630. Boyfriends are all over 680 - don't know exact score.
4. Boat will be paid off within one year, just want extra loan on credit report.
Just wanted to chime in to mention that my wife and I got married for about $500-$700 total, with a nice small ceremony for our family and friends. Why is there this idea that you have two choices: huge extravagent and expensive wedding, or not get married? If you want to be married, money shouldn't stop you. Do it on the cheap.
Either way, I agree with the others here. If you have a mortage, you have no need for another loan on your report. It will lower your AAoA anyway. Just pay for the boat in cash if you can afford it. If you can't, save up until you can. But first, use your excess money to pay down your credit cards, like yesterday.
^^^Makes the most sense.
5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
