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re: Can my accountant (who is my GF) view my credit score or debts?
Posted on 2/1/15 at 2:34 pm to SirWinston
Posted on 2/1/15 at 2:34 pm to SirWinston
So you make good money and have no mortgage, but you thought using a credit card to bet football was a good idea? And you couldn't pay it? You're an idiot.
And now you don't want your girlfriend to find out how dumb you are. Words can't even describe...
And now you don't want your girlfriend to find out how dumb you are. Words can't even describe...
0
Posted on 2/1/15 at 2:35 pm to N2cars
quote:Yes he did. It might help his score if he was paying a mortgage and didn't have a the credit card debt. Just because you pay off a mortgage doesn't mean your credit score will improve.
He's paid off his mortgage, unless I misunderstood the OP.
Posted on 2/1/15 at 2:38 pm to tLSU
I'm feeling crazy. Could he not go to a bank tomorrow, borrow against his condo, pay off the cc with said borrowed money, and save a lot in interest? Why has no one suggested this?
Posted on 2/1/15 at 2:38 pm to La Place Mike
This is true.
One of the main factors in credit score is the ratio of debt/available credit.
If you have a bunch of credit cards with a lot of available credit (especially if you've had them for a long time) but have basically zero balance on them, you'll get a significant bump on your score.
If you have a high balance on a lot of cards that are all maxed out, obviously that really effects your score.
If they OP hasn't missed payments (even just the minimum) then your score will improve once you pay down the debt. Focus on that, especially since you're probably paying a huge APR on all that gambling debt.
Just make sure you don't miss payments then the long-term ramifications will be more impactful and harder to recover from.
One of the main factors in credit score is the ratio of debt/available credit.
If you have a bunch of credit cards with a lot of available credit (especially if you've had them for a long time) but have basically zero balance on them, you'll get a significant bump on your score.
If you have a high balance on a lot of cards that are all maxed out, obviously that really effects your score.
If they OP hasn't missed payments (even just the minimum) then your score will improve once you pay down the debt. Focus on that, especially since you're probably paying a huge APR on all that gambling debt.
Just make sure you don't miss payments then the long-term ramifications will be more impactful and harder to recover from.
Posted on 2/1/15 at 2:42 pm to Dennis ODell
quote:
Why has no one suggested this?
Because we all instinctively realize that this entire story is probably BS.
Posted on 2/1/15 at 2:44 pm to SirWinston
This the one who "accidentally" woke up naked in bed with your husband/wife friends?
Posted on 2/1/15 at 2:45 pm to Dennis ODell
quote:
I'm feeling crazy. Could he not go to a bank tomorrow, borrow against his condo, pay off the cc with said borrowed money, and save a lot in interest? Why has no one suggested this?
So you're suggesting a gambling addict open up a line of credit that will be tied to his dwelling and put it on the line and allow him to rack up even more debt that he might be able to hide until it truly becomes a total financial clusterfrick of gambling addiction?
Sounds like a solid plan.
Posted on 2/1/15 at 2:46 pm to SirWinston
Having your GF read your financial shite like like having her read your diary--which I'm guessing you keep, and which I'm guessing she's already peaked into.
Gawdamm man, what's with you ....
Gawdamm man, what's with you ....
Posted on 2/1/15 at 2:46 pm to Walking the Earth
quote:
Because we all instinctively realize that this entire story is probably BS.
You're probably right. I'd just hate for the OT to lose it's reputation as a place you turn to for help with life problems....
Posted on 2/1/15 at 2:47 pm to SirWinston
quote:
My GF is an accountant and I think it would seem weird if I didn't let her to my taxes.
Don't let family/friends do your taxes.
Posted on 2/1/15 at 2:49 pm to KosmoCramer
quote:
So you're suggesting a gambling addict open up a line of credit that will be tied to his dwelling and put it on the line and allow him to rack up even more debt that he might be able to hide until it truly becomes a total financial clusterfrick of gambling addiction?
IT WAS JUST ONE BAD YEAR FOR THE SAINTS!
Posted on 2/1/15 at 3:20 pm to SirWinston
She will have your SSN and presumably knows enough personal info to be able to pull your FICO, or at least your report (which is all that really matters). It would be highly illegal to do so without your consent though, so it's unlikely she would try.
But you should be coming clean to her anyway.
But you should be coming clean to her anyway.
Posted on 2/1/15 at 3:23 pm to SirWinston
__________________________________________________________________________
Would she be able to see/view my credit score easily from the information that she'd get (work W-2's, Roth IRA EOY statements, etc) if she was interested in doing so?
__________________________________________________________________________
Why don't you ask her ?
Would she be able to see/view my credit score easily from the information that she'd get (work W-2's, Roth IRA EOY statements, etc) if she was interested in doing so?
__________________________________________________________________________
Why don't you ask her ?
Posted on 2/1/15 at 3:24 pm to Dennis ODell
quote:
I'm feeling crazy. Could he not go to a bank tomorrow, borrow against his condo, pay off the cc with said borrowed
Secured vs un secured debt
Posted on 2/1/15 at 3:29 pm to SirWinston
You're trying to hide shite from her already?? This is why the divorce rate is so high. Three things will come of this.
1. If she does ask run very very fast.
2. She'll ask and you'll lie in which she should run very very fast.
3. She doesn't ask yet you dont tell so she should still run because you use credit cards to gamble which is breaking the golden rule of gambling. Don't bet what you don't have."
1. If she does ask run very very fast.
2. She'll ask and you'll lie in which she should run very very fast.
3. She doesn't ask yet you dont tell so she should still run because you use credit cards to gamble which is breaking the golden rule of gambling. Don't bet what you don't have."
Posted on 2/1/15 at 3:33 pm to SirWinston
Don't ever bet on the team you pull for
Posted on 2/1/15 at 3:35 pm to mouton
quote:
685 is not a bad score.
Its not good either but if his only issue is the amount of debt he can get it way up when he pays it off
Posted on 2/1/15 at 3:38 pm to SirWinston
quote:
My GF is an accountant and I think it would seem weird if I didn't let her to my taxes.
False
Posted on 2/1/15 at 3:39 pm to SirWinston
So what if she sees your score?
Something is fishy here, besides you being a gambling addict using a credit card to compound your losses.
Nice story, but I'm positive there are other things on that report that will tell her somethings you don't want her to know.
Good luck with life knowing you can't be honest with your GF.
Something is fishy here, besides you being a gambling addict using a credit card to compound your losses.
Nice story, but I'm positive there are other things on that report that will tell her somethings you don't want her to know.
Good luck with life knowing you can't be honest with your GF.
Posted on 2/1/15 at 3:44 pm to SirWinston
quote:
but I have a decent amount of credit card debt due to to a bad football gambling year, which has dragged my score below 685. Trashy, I know.
thats not trashy..thats sad
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