Your credit reports and scores don't "know" whether you're carrying a balance or paying it off in full every month. That's because the balance reported to the credit bureaus typically is the credit report free no credit card Louisiana balance from your last statement, not what was left over after you got that statement and paid the bill. So you might as well pay in full and save yourself the interest. This myth encourages people to carry unnecessary debt, putting them at the mercy of credit card issuers and eroding their financial security. I'm dept free and credit report free no credit card Louisiana already have all the "Stuff" I need.
I was told I should utilize my credit cards more to build credit...but....so far I have had no trouble getting by.
I travel for fun which is pretty much the only time I use them and life is good. I invision evil little trolls in a dark cavern, somewhere, just cursing my ability to function outside of the credit system. Think about it, credit scores are only important to the lender or the people attempting to get the lender to lend to them. Those scores are little more than a rating of what credit report free no credit card Louisiana you have done credit wise. It is not a reflection of your worth, you could have had NO REASON to borrow, in which case your score would have been lower than someone who did borrow and paid back late or never, probably a "0"!
You may have been TOO QUICK at paying back, (nothing less than a two credit report free no credit card Louisiana year period is any score at all)! free credit report without a credit card The score is only important......................IF YOU WANT OR NEED TO BORROW.............OR, MORE IMPORTANTLY...............DO NOT HAVE ANY COLATERAL (AN OLD AND SELDOM USED TERM SINCE THE MODERN CREDIT DAYS OF "NOTHING DOWN, FOREVER TO PAY")! It took me almost a month to get a loan on my present house because credit report free no credit card Louisiana I always paid debt off ASAP..................YET THE 30YR MORTGAGE ON THIS HOUSE WAS PAID OFF IN 3YR, 3MOS, so tell me............how well does the score represent what credit report free no credit card Louisiana the lender needs? In this case, very well, ..............because they didn't want to make credit report free no credit card Louisiana asmall interest return that came from early retirement of the loan, but due to law were still forced to do the loan. Thier (the lenders) job is to make (or get my money) and my job is to attempt to keep my money............and I give a crap about any credit score until, or more clearly..........IF, I ever HAVE to borrow again! free cedit report A credit score is nothing more than a measure ofhow big a mark a person is. Who in their right mind would willingly agree credit report free no credit card Louisiana to pay the shylock interest rates required by credit report free no credit card Louisiana these credit card companies? 95% of people who have credit cards CANNOT pay off their monthly balances to avoid interest. As far credit report free no credit card Louisiana as buying a house we just got a loan for $250,000 & our credit scores were not good. Since the average consumer has little protection against credit card companies and our own credit scores,,I credit report free no credit card Louisiana believe the best way to stay out of financial trouble is to try to AVOID using credit when possible. Some parts of credit report free no credit card Louisiana this article may be true but not credit report free no credit card Louisiana ALL.
I remember years ago one attorney told me "Credit card companies represents America's biggest scam" Its so unfortunate that good credit is required for so many applications that credit report free no credit card Louisiana shouldn't be,,,like jobs and apartment dwelling. Ourentire credit system needs an overhaul Funny just a few weeks ago I read an article right here on this web page that contradicts a few "myths" thisarticle credit report free no credit card Louisiana tells you. I look at it this way: I will NOT be kept on the credit report free no credit card Louisiana hamster wheel. free credit report and I got off paid off credit report free no credit card Louisiana my credit cards & will NEVER have them again. And to think all this $$ credit report free no credit card Louisiana was going to credit cards & interest! As far as buying a house or credit report free no credit card Louisiana carhuge down payments talk everything else walks. Fundamental company data and historical chart data provided by Thomson Reuters (click for restrictions). Real-time index quotes and delayed quotes supplied by Interactive Data Real-Time Services. Fund summary, fund performance and dividend data provided by Morningstar Inc. Analyst recommendations provided by Zacks Investment Research. Japanese stock price data provided by Nomura Research credit report free no credit card Louisiana Institute Ltd.; quotes delayed 20 minutes. Canadian fund data provided by CANNEX Financial Exchanges Ltd.
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