General Discussion

Lurker Deluxe

(1,085 posts)

37. I agree

Thu Dec 27, 2012, 11:20 AM

Dec 2012

All of these things are out of your control. Planning for them is not.

The reason that 800+ credit score is such a hard thing to achieve is because those things you wrote happen. People who have the 800+ scores are prepared for them, are able to find new employment, are able to absorb the hits. It is not an accident.

When I was young and had yet to establish great credit and maintain bank balances, these things would toss me for a loop quick. Hell, a blown tire could ruin my weekend plans. Late 40's now, and it would take two or three of those things happening at the same time to make me scared ... well, identity theft scares me enough to have "lifelock".

I know people who drive 60K cars, have 250K mortages, and every new thing you can have ... TV/DVR/electric bottle openers FFS. Yea, you loose your job you are in a hurt quick ... that's your fault.

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Perfect 10? Nevermind That. Ask Her for Her Credit Score [View all] The Straight Story Dec 2012 OP

That's f'ed up IDoMath Dec 2012 #1

You don't have to be rich to have a good score. Confusious Dec 2012 #2

Or, one could have experienced an unfortunate life event blueamy66 Dec 2012 #6

Yea that too Confusious Dec 2012 #9

You just have to be lucky enough never to have run into bad luck Orrex Dec 2012 #7

The problem with abolishing them Confusious Dec 2012 #11

Then they should be open and transparent for anyone who wants access to them. Orrex Dec 2012 #14

Are you taking about being "open and transparent" Confusious Dec 2012 #21

The methodology should certainly be transparent Orrex Dec 2012 #32

People have privacy rights defended by federal law Yo_Mama Dec 2012 #41

Well, what I mean is... Orrex Dec 2012 #49

I agree Yo_Mama Dec 2012 #51

That is what ticks me off about the unsolicited credit scores exboyfil Dec 2012 #34

And lucky - don't forget the luck Yo_Mama Dec 2012 #42

I don't think it's shallow mythology Dec 2012 #5

No, it's shallow Orrex Dec 2012 #13

Few? Lurker Deluxe Dec 2012 #18

Bank of America falsely reported derogatory credit against me on someone else's delinquent account slackmaster Dec 2012 #20

I agree Lurker Deluxe Dec 2012 #27

A 120-day default on a revolving credit card with a $12,000 balance will ding you about 200 points slackmaster Dec 2012 #29

Heh Lurker Deluxe Dec 2012 #33

Getting my scores to 800+ took over 30 years of responsible financial behavior. I'm proud of it. slackmaster Dec 2012 #35

Consider: Orrex Dec 2012 #31

I agree Lurker Deluxe Dec 2012 #37

Ah, yes. The old "you should have planned ahead" mantra Orrex Dec 2012 #39

And I will agree with you all day. Lurker Deluxe Dec 2012 #48

+1 blueamy66 Dec 2012 #19

I am, but I'm not going to put myself in a precarious financial situation for somebody else mythology Dec 2012 #47

No, It's Shallow... It's the new classism IDoMath Dec 2012 #24

I made an interesting point to my daughter exboyfil Dec 2012 #36

My daughter's ex boyfriend was really "interested" in her madmom Dec 2012 #61

Great post! Orrex Dec 2012 #38

I don't care about the score, but I certainly am interested in a woman's debt situation slackmaster Dec 2012 #3

+1. A big debt situation will equal a bum credit score, though. So that's one way to know Honeycombe8 Dec 2012 #8

Life looks a whole lot different in middle age than it did in our 20s, eh? slackmaster Dec 2012 #12

Yes! One thing: All those guys who didn't want to commit when they were young? Honeycombe8 Dec 2012 #17

Actually Lurker Deluxe Dec 2012 #23

I learned that the hard way slackmaster sorefeet Dec 2012 #26

Being alone is a whole lot better than being with someone who is nothing but a burden slackmaster Dec 2012 #52

+1 Go Vols Dec 2012 #55

I'm with you there Tempest Dec 2012 #58

Isn't that kinda the "nuclear option"? I would be open and honest early on and see how CTyankee Dec 2012 #4

Trust....but verify. If he's telling the truth, he won't mind proving it. nt Honeycombe8 Dec 2012 #10

I've seen people get taken advantage of gollygee Dec 2012 #15

The core issue, I believe, is actually honesty slackmaster Dec 2012 #16

Absolutely gollygee Dec 2012 #22

And they say romance is dead. -nt Liberal Veteran Dec 2012 #25

Romance is for suckas slackmaster Dec 2012 #28

A childish dream and a fantasy Tempest Dec 2012 #60

I guess there are people LanternWaste Dec 2012 #30

...and, no later than three days before our first date, please also provide: Buns_of_Fire Dec 2012 #40

While I would never ask.. sendero Dec 2012 #43

if anyone here has ever been involved with someone who is irresponsible financially... wyldwolf Dec 2012 #53

Meh-- on dates, I'm almost always asked-- in some way-- how much money I make. Marr Dec 2012 #44

I guess I just see this differently than most. KarenS Dec 2012 #45

It would be interesting to know the ages of people responding gollygee Dec 2012 #59

She dodged a bullet with that guy--he's a douchenozzle. nt geek tragedy Dec 2012 #46

what a blessing he was that obviously shallow on the first date zazen Dec 2012 #50

"She simply couldn't help it, though. After all, he...worked in finance..." Romulox Dec 2012 #54

I love how people think dates are like a job interview. Dash87 Dec 2012 #56

That's actually a very good question. Tempest Dec 2012 #62

Can't blame him Tempest Dec 2012 #57

No one wants to take on someone else's gnarly debt load. I don't blame them. TwilightGardener Dec 2012 #63

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