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re: Why does pulling a credit report count against you?
Posted on 10/13/15 at 7:55 pm to LSUTANGERINE
Posted on 10/13/15 at 7:55 pm to LSUTANGERINE
quote:
I am "thinking" about financing a pool. Will my thoughts count against me?
Your credit score just dropped below what you would need for financing. Might as well forget it, and don't even think about financing anything for at least 5 years.
Posted on 10/13/15 at 8:07 pm to LSUTANGERINE
quote:
am "thinking" about financing a pool
Think long and hard my friend!
Hijack over
Posted on 10/13/15 at 8:54 pm to TigerDeBaiter
quote:
Because you were inquiring about taking on a debt obligation, and in most cases, likely will.
This.
quote:
if it's mortgage shopping or something like that the lenders understand "shopping around" and don't hold it against you.
Also this.
Posted on 10/13/15 at 9:57 pm to VetteGuy
quote:I started a project to try and boost my score a bit, spending countless hours reading the wealth of info that's on some of the forums out there. I learned a lot and had success, but in doing so came to realize more and more how much of a bullshite game it is - you can do everything right and still not have a score that reflects that - some of the things that seem beneficial can hurt you.
Dun & Bradstreet is at the top of the scam list.
I will get them one day, even worse than I already have.
I have a great score now, but based on how bullshite the system is, it'd be good to watch it all burn. Just burn.
Posted on 10/13/15 at 9:58 pm to foshizzle
They also take into account who is pulling your credit. Credit card companies and utilty companies pulling your credit are two completely different things
Posted on 10/13/15 at 10:02 pm to Drew Orleans
The Chinese and Russians have recently stolen of our data. Just contact them and ask to purchase a new identity. They have everyone's credit report, SSN, everything. They'll hook you up.
Posted on 10/14/15 at 9:29 am to ksayetiger
quote:
Why would you need credit for anything? Just pay with cash like a OT baller does
What annoys me is that if you do pay cash upfront for everything instead of financing stuff then that can actually count against you since you don't have a history of being in debt and paying it off.
We have no debt and the house, land, vehicles etc are all paid up because we do not want debt. Yet financially speaking, we have been advised that we should go into debt. No thanks!
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