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re: Let's be honest about credit scores
Posted on 10/23/17 at 2:53 pm to BigPerm30
Posted on 10/23/17 at 2:53 pm to BigPerm30
I put the majority of our expenses on our credit card and never notice a dip in credit scores...at least the free FICA one my bank provides. It's consistently above 800.
I really wish that actually mattered considering how many people have credit issues. Like I should get a free check or something each month. Yeah. That would make me happy. Money for good credit. I just need the money.
...don't tell my bank.
I really wish that actually mattered considering how many people have credit issues. Like I should get a free check or something each month. Yeah. That would make me happy. Money for good credit. I just need the money.
...don't tell my bank.
This post was edited on 10/23/17 at 2:54 pm
2
Posted on 10/23/17 at 3:00 pm to StringedInstruments
quote:
I put the majority of our expenses on our credit card and never notice a dip in credit scores...at least the free FICA one my bank provides. It's consistently above 800.
You'd have to get it to where you have 20%-30% or more (I think each agency uses a different cut off?) of your available credit used to make a difference.
Pretty easy to avoid that with higher limits and multiple accounts.
Posted on 10/23/17 at 3:02 pm to StringedInstruments
quote:
I put the majority of our expenses on our credit card and never notice a dip in credit scores...at least the free FICA one my bank provides. It's consistently above 800.
I'm not talking about routine amounts. I'm talking about a 10k or more charge. Maybe I just need to get more cards. I only have one and it's got a pretty high limit.
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