SWM wrote:
It appears Equifax rated me the hightest with a 773 score. However, my credit card debt is bringing me down. Any suggestions how to just get by without charging on thost darn cards?
Hi, welcome to the forums!
Sure, take the CC's out of your wallet, create a budget, and learn to live on cash. To keep your cards alive, you might put one charge a month on each card for something that you must get (groceries, gas) and would otherwise pay cash for. Pay it off online the moment the charge hits. If you have the opportunity to bring in part-time income in addition to your regular job, do that too. Once you are in control of your credit, rather than vice versa, you can go back to using CC's for convenience, rewards, consumer protection, and so forth. Just don't ever charge more than you can pay completely off every month, with the rare exception of a 0% offer.
If you are interested in help for your specific situation, please start a separate thread on this board or on General Credit Issues listing your CC's, the balance on each, the credit limit on each (the original credit limit, not how much is available), and the APR. We can help you figure out several strategies on attacking your CC debt.
To start a new thread, look up at the left in the blue bar, right above where it says "Announcements", and click "New Message." A text box will open up. I have learned the hard way to type my message first, and then enter the subject line. If you type in the subject title first and hit "enter" instead of "tab" or move your cursor, you'll post and empty box. Been there, done that, got the t-shirt.
But at any rate, please do start a new thread when you have a specific question that isn't really related to the topic of any thread.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
