General Discussion

defacto7

(14,162 posts)

11. From past credit history my rating is high

Thu Jan 23, 2014, 12:30 AM

Jan 2014

But I do not borrow, owe, or have a mortgage and my debt is 0. Everything is cash or debt. I plan on keeping it that way. I have no desire to borrow or pay interest ever. If I had a choice I would not be part of the financial system at all.

on edit: I thought I would add that I have 2 working bank accounts, one for holding and the other for debt card use only. The card account only holds what cash is needed for any expenses that need to be paid. Money is transfered to it automatically on a weekly basis or personally. The other account has no access except transfer.

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Credit Check... [View all] Agschmid Jan 2014 OP

I have no idea PowerToThePeople Jan 2014 #1

Do you use cash/debit/checks? Agschmid Jan 2014 #3

All of the above. Mostly debit card. n/t PowerToThePeople Jan 2014 #5

851 in 2007, lower lately due to high monthy charges that get paid off immediately. NYC_SKP Jan 2014 #2

Thanks I edited. Agschmid Jan 2014 #4

Actually just did a 3 bureau check today. Barack_America Jan 2014 #6

I just checked mine as well. Agschmid Jan 2014 #8

i pull a free one every couple years NMDemDist2 Jan 2014 #7

i have a discover card and visa. DesertFlower Jan 2014 #9

I often will pay with my card and then pay it off same day, as I like earning the rewards. Agschmid Jan 2014 #13

I have horrible credit gerogie2 Jan 2014 #10

From past credit history my rating is high defacto7 Jan 2014 #11

I pull a report every 4 months. NutmegYankee Jan 2014 #12

Fucked over by medical bills we couldn't pay... hunter Jan 2014 #14

It seems medical bills are what can really impact a score. Agschmid Jan 2014 #15

This message was self-deleted by its author guyton Jan 2014 #16

I check my fico score free about once a year Mira Jan 2014 #17