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And yet you claim to know the one number thats going to make a difference and can somehow use this knowledge to your advantage? I know that higher scores get better rates, and low scores will get www credit reports Kentucky poorer rates.
I know certain behaviors that will increase or decrease my score. I know that simply waiting a www credit reports Kentucky year for my score to get into the next higher bracket could save me thousands upon thousands of dollars on a home loan. It sounds like www credit reports Kentucky you are arguing against people being informed and using that knowledge to their advantage, which is ludicrous. A credit score kept me from having to www credit reports Kentucky pay PMI (put down just over 18% on our $117,900 mortgage-first home). We were told that the lender www credit reports Kentucky was so impressed with our credit/payment history, the monthly fee was waived; Our www credit reports Kentucky realtor said he had never seen that before. Still great to pay cash, though, whenever possible/sensible. To those worried about the inability to get a mortgage due to lack of credit score, its not the insurmountable obstacle that some would have you believe. I had www credit reports Kentucky no credit score to speak of, as I never had gone into debt. free credit reports annual Yet I managed to get a 30 year fixed mortgage at 6.www credit reports Kentucky 5%, which was about as good as it got at the time, without having to jump through a ton of hoops. I had to provide proof of employment, and a record of paying my bills on time from four sources, but other than that, it was a relatively painless process. While it was 10 years ago, I heard the exact same arguments oh, youll never be able to qualify for a mortgage without a credit score, etc. As for the concern raised about hotel/car rentals and debit cards I always use my debit card, and have *never* had an amount held over the actual cost of the service.
If www credit reports Kentucky someone is encountering these issues, perhaps they should take their business elsewhere. You could be homeless, jobless, and a turtle and qualify for a home loan. This is a classic example of treating the symptom instead of the root cause. law free credit report If a person who is financially disciplined must cancel their credit cards to stay financially disciplined, they arent really financially disciplined. Instead of looking at why they cant keep open credit accounts and not abuse them, the author has tried to remove the temptation. Rather, if the author analyzed why they got into severe debt before (www credit reports Kentucky e.g., emotional spending, lack of budget discipline, etc.) and resolved that problem, they could simply keep the accounts www credit reports Kentucky open and 1) use them only in emergency or 2) use them responsibly. In todays world it makes sense to have at least one credit card for the reasons many have stated above.
And ditto Megans comment (#24)www credit reports Kentucky the real impact has probably not had time to hit the credit score www credit reports Kentucky yet.
Regardless, at the time I heard word-for-word the same arguments that Im reading in this thread.
They werent true then, and Ill bet dollars to doughnuts that with some research and shopping around, its not true now either. Mail (will not be published) (required) Notify me of followup comments viawww credit reports Kentucky e-mail Subscribe without commenting E-Mail: Privacy Policy www credit reports Kentucky Terms of Service Disclaimer:All information provided on this site is for informational purposes only. one free credit report
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