People are living their lives here playing reindeer games to eek out 6 points in a credit score, just so they'll have something "in emergencies" or tougher times.
Indeed.
Thanks Gen, for your updates. They are greatly appreciated and eagerly awaited!
Just a heads up, should you be considering a mortgage with a score of around 633 - from experience, that's doable; however, the bank frowned on the number of credit accounts I had open with balances and suggested I close some of them out. Doing so lowered my score and put me in a higher interest rate bracket - minus the "b" would spell racket!
Speaking of rackets, after the kitchen fire, when the stove shorted out, and the neccessity of all new appliances, I was expecting my credit score to dive bomb, and though it went down by 12-15 across the board, Experian raised me a few points due to a charge, under $200, on the AmEx Blue. I swear AmEx and Experian have some sort of "thing" going. I just can't figure out what it is.
