shadowmaker Posted September 1, 2004 Author Report Share Posted September 1, 2004 That credit rating thing is a bug-a-boo. I had exactly one glitch on my report (unwarranted, as admitted to by all parties involved) and I determined to get it removed, more out of pride than anything else. Suffice it to say that I gave up after months of trying. In my experience, no one cares that the report is inaccurate, and no one lifts a finger to help. 2 days into this and you are exactly right. Brad Link to comment Share on other sites More sharing options...
cokedrvrbjw Posted September 1, 2004 Report Share Posted September 1, 2004 yeah i think i did pass a 2500k rebate up but i paid $30 - 31 after ttl. is that on track with the rest of you out there? payments are like 4 bills a month Well when i first bought the ss i financed 23k. I had about 10k in equity on my last truck a silverado 2500HD...because i financed through gmac at 0% for 36 months. I recently refinanced and consumed about 12k of debt into the loan and refinanced at 5.25% for six years...im at 555.54. ps...the credit card debt is now back up to 8k Link to comment Share on other sites More sharing options...
Bigdogx Posted September 1, 2004 Report Share Posted September 1, 2004 yeah i think i did pass a 2500k rebate up but i paid $30 - 31 after ttl. is that on track with the rest of you out there? payments are like 4 bills a month Well when i first bought the ss i financed 23k. I had about 10k in equity on my last truck a silverado 2500HD...because i financed through gmac at 0% for 36 months. I recently refinanced and consumed about 12k of debt into the loan and refinanced at 5.25% for six years...im at 555.54. ps...the credit card debt is now back up to 8k Cut them damm things up I hear ya though credit cards are the devil Link to comment Share on other sites More sharing options...
cokedrvrbjw Posted September 1, 2004 Report Share Posted September 1, 2004 Link to comment Share on other sites More sharing options...
BlackySS13 Posted September 1, 2004 Report Share Posted September 1, 2004 No kidding. I hate credit cards. They just allow me to act impulsively to get something that I regret later paying for. I've got mine on lockdown now. Link to comment Share on other sites More sharing options...
Krambo Posted September 1, 2004 Report Share Posted September 1, 2004 Ask Suze Orman! Help Your FICO Score Fixing your FICO is no easy task however I have heard good things about this kit. Besides, it is from Suze. Link to comment Share on other sites More sharing options...
haynss Posted September 2, 2004 Report Share Posted September 2, 2004 No kidding. I hate credit cards. They just allow me to act impulsively to get something that I regret later paying for. I've got mine on lockdown now. I like my credit card, allows me to get money back dividens Link to comment Share on other sites More sharing options...
Lee Posted September 2, 2004 Report Share Posted September 2, 2004 I hate to tell you bro but if you're getting money back it's because your APR is too high in the first place. That's how they give money "back." They take it from you in the first place. Link to comment Share on other sites More sharing options...
BenKey Posted September 2, 2004 Report Share Posted September 2, 2004 11.5% too high? Link to comment Share on other sites More sharing options...
Bigdogx Posted September 2, 2004 Report Share Posted September 2, 2004 11.5% too high? IMO way to high, i like my amx gold card makes me pay it up every month instead of building up like reg credit cards, so no intrest to have to pay off Link to comment Share on other sites More sharing options...
BenKey Posted September 2, 2004 Report Share Posted September 2, 2004 11.5% too high? IMO way to high, i like my amx gold card makes me pay it up every month instead of building up like reg credit cards, so no intrest to have to pay off Have one of those too. Link to comment Share on other sites More sharing options...
lordkevork Posted September 2, 2004 Report Share Posted September 2, 2004 I pay my cards off every 30 days so i don't have to pay interest. I have the amex cards with the reward points and the gm card but there all betting on you bitting off more then you can chew. Just make sure you have a budget when you purchase or the cards will screw you or you screw yourself however you want to look at it. Easier said then done for most. I blew my credit out when I was younger and waited 5 - 7 years to clear it up without paying anything back. Link to comment Share on other sites More sharing options...
.justin. Posted September 2, 2004 Report Share Posted September 2, 2004 You do know that any time you pull your credit report it is a 5 point hit right?Alot of people screw them selfs running there credit report evertime they find a car they like. My girlfriend's credit took a 20 point hit last month after being pulled... She opened a credit union account, with around a score of 760, good enough to get the lowest rate on her tahoe. 3 days later, over the weekend, they processed her loan application and her score was 740, which added 0.5% to the rate. She has no credit card balances, no late payments ever, the only thing that touched her credit in that time period was the credit union over that 3 day span. I was previously under the impression that it was a 5 point hit, but not after what happened to her... Link to comment Share on other sites More sharing options...
Lee Posted September 2, 2004 Report Share Posted September 2, 2004 11.5% too high? Ah, yeah. If you're paying more than 6.x you're too high. IMO way to high I think you meant "too" high, didn't you? Link to comment Share on other sites More sharing options...
lordkevork Posted September 2, 2004 Report Share Posted September 2, 2004 Most times they will tell you your score dropped from pulling your credit but it's just dishonest lenders trying to make $$$ off you. They know you want something and will pay. If there are no derogatory entries on your report and a few inquiries with a good paying history there is no reason you shouldn't get the best rate. Just comes down to people suck in general Link to comment Share on other sites More sharing options...
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