A FICO score not within its range

[AndySoCal]

I agree with hauling. Just to clarify the account has be reported in the last six months. To add more thing and the account is not in dispute.

Message Edited by AndySoCal on 02-19-2010 07:20 PM

[Anonymous]

 

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@haulingthescoreup wrote:

So are you in this situation, and you don't have a FICO score?

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I do not follow Dave Ramsey’s plan, but I listen to his radio show more than a little bit, and I too think he gives a lot of great advice, but the more and more I listen to him (or rather, hear what he has to say), the more I believe he is, in certain areas, a bit of an extremist.  Not only that, but I have begun to question more portions of what he has to say, and that is one of the main reasons for creating this thread.

 

I think it’s possible to function without credit, and for many people, they’d probably be better off after considering how they manage their credit, but I would rather be one that manages my money well with excellent credit and little to no debt.

Based on what I’ve learned over the years with credit, I think I would be better off making most all large purchases on credit and subsequently paying it off so that I will have good solid trade lines as I move forward in life.  Also, I think it’s good to maintain between three and four credit cards with little to no balances.

As to your question, I am not in that situation, and I do have FICO scores.

Thanks for your insight.

And others, I thank you too for your helpful responses.

[bigtim]

In short response to Dave Ramsey - this country was built - literally - on credit. The irony is the fact that Dave Ramsey nor his platform to preach the credit-is-evil lectures would even exist, if it weren't for credit in the first place.