Check credit history Birmingham

If youre paying attention to your credit score, youre probably looking for shortcuts, which is anathema to GRS. The scoring rules may change every few years, but good behavior never will. How would this article be different if it was about behavior, instead of a MEANINGLESS number? The author would have closed his credit accounts regardless because they werent right for him. Hed have an extra $30 in his pocket (assuming $15 each for two scores) and hed be JUST AS HAPPY. @Adam (not Baker): Just out of curiousity, would you change the way you use credit cards if the 30 day grace period was reduced or eliminated? Ive heard speculation that this could be a possibility. @CB If I had to pay ~17% interest from the day of purchase then I probably wouldnt use the card as I do now, no.

If the reward was good, Id pre-load my card for large purchases, say to get 2% cash back, though. @tinyhands agreed that paying bills on time, living within ones means, investing regularly and sensibly, etc.

But to ignore it for the sake of ignoring it when the world at large uses the number to determine an increasingly diverse check credit history Birmingham amount of things about you is pretty ridiculous in my opinion. Luckily, if one check credit history Birmingham follows good credit behavior then a good check credit history Birmingham credit score will follow. credit report three

How is credit score meaningless if you plan on having a mortgage some day? My score check credit history Birmingham has meaning because it prevented me from refinancing my car with an institution that would be more convenient for me to check credit history Birmingham deal with. It will also matter when I take out a mortgage and will affect my finances by thousands of dollars, hopefully in the right direction. Credit behavior is important obviously, as you stated.

But its impractical to ignore a number that plays such a large role in most check credit history Birmingham peoples lives (except those without any debt or mortgage). Also, why criticize Baker for wanting to know his score? What about check credit history Birmingham the fact that hes a personal finance blogger and his readers are likely curious about the affect of canceling their check credit history Birmingham credit cards on their FICO score? legit free credit report Hes check credit history Birmingham clearly not modifying his life because of the score, otherwise he never wouldve canceled the cards in the first place out of fear of his score dropping. Without a credit score, cell phone companies will not give you a normal contract.

They require a large ($1000 or $500) deposit *and* put you on a handicapped plan that, for example, does not allow international roaming. I had to be a customer with T-mobile for a year and a half before I could get off the handicapped plan and turn on international roaming, which sucked, because I travel internationally a lot. (No, you cannot roam internationally on pay-as-you-go.) Without a credit score, my check credit history Birmingham utility company made me pay a $500 deposit. They paid it back (with $0.check credit history Birmingham 14 interest) after a year of being a customer. Additionally, when you need to do something like this that requires a check credit history Birmingham credit check and you dont exist in the databases, the customer service people get all hushed and confused. I dont know what shows up on their little screens, but it must be scary-looking.

I wish check credit history Birmingham there were some way to say look, I pay what bills I have and I have more money than I need, dont make me jump through more idiotic check credit history Birmingham hoops. free credit report contact Apparently, however, the only way to do that is by having a credit card. At some point I began to be reimbursed for much of my travel. This, combined with the above annoyances, are what pushed me to finally get check credit history Birmingham a credit card. Hilariously, because of my lack of credit history, the limit on the card has been too low for the past three years to actually cover, say, several plane tickets, a week of check credit history Birmingham hotel, and conference registration, so I end up fronting most of the money with a debit card instead.

I wish there were some way to say look, I pay what bills I have and I have more money than I need, don’t make me jump through more idiotic hoops.