Re: 0-430 in eight months
[Re: Wolfdog91]
#7208640
03/07/21 11:59 PM
03/07/21 11:59 PM
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Joined: Nov 2007
Posts: 760 The great state of Utah
elkantlers
trapper
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trapper
Joined: Nov 2007
Posts: 760
The great state of Utah
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Not good at all. Pay your bills and DO NOT miss a payment. If You are missing payments you have a vehicle that you can't afford. If That's the case, you need to sell the vehicle and get one that you can afford.
Also, You need to pay your credit card off every month. It is absolutely stupid to pay interest on a credit card. If you can't afford to pay your card off each month you are spending too much money and need to STOP. If you can't afford to pay the credit card off each month you certainly can't afford to pay Interest.
I have had a credit card for over 20 years and have never paid one cent in interest, Not one! If I can't pay for it I don't buy it, plain and simple.
Too many people live beyond their means and buy Crap they don't need.
Sorry to be blunt, but you are not in a good spot.
elkantlers __________________________________________________
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Re: 0-430 in eight months
[Re: Wolfdog91]
#7208667
03/08/21 12:22 AM
03/08/21 12:22 AM
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Joined: Sep 2013
Posts: 18,824 Green County Wisconsin
GREENCOUNTYPETE
trapper
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trapper
Joined: Sep 2013
Posts: 18,824
Green County Wisconsin
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go a year missing no payments and you will probably be 550-600
it's a little like school 0 is failing 300 is failing 450 is a D 550-600 is a C 650-700 is a B 700-750 is an A when you get over 800 your into grade weighted classes with an A+ I think they call it AA
if you can get a payment ahead on your car and your house it is not a bad idea
I spent a long time in the 700s
then one day you end up over 800 when you have obscene amounts of credit and have most everything paid off , half your mortgage paid off , a decade with out any late payment.
Last edited by GREENCOUNTYPETE; 03/08/21 12:32 AM.
America only has one issue, we have a Responsibility crisis and everything else stems from it.
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Re: 0-430 in eight months
[Re: elkantlers]
#7208687
03/08/21 12:44 AM
03/08/21 12:44 AM
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Joined: Jul 2013
Posts: 12,051 Amite county Mississippi
Wolfdog91
OP
trapper
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OP
trapper
Joined: Jul 2013
Posts: 12,051
Amite county Mississippi
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Not good at all. Pay your bills and DO NOT miss a payment. If You are missing payments you have a vehicle that you can't afford. If That's the case, you need to sell the vehicle and get one that you can afford.
Also, You need to pay your credit card off every month. It is absolutely stupid to pay interest on a credit card. If you can't afford to pay your card off each month you are spending too much money and need to STOP. If you can't afford to pay the credit card off each month you certainly can't afford to pay Interest.
I have had a credit card for over 20 years and have never paid one cent in interest, Not one! If I can't pay for it I don't buy it, plain and simple.
Too many people live beyond their means and buy Crap they don't need.
Sorry to be blunt, but you are not in a good spot. No it's fine. Dint think missing one payment would hurt me so bad. Honestly it wasn't me not being able to afford it , that $250 is budgeted out the last pay check if each month. I handnt received my bill in the mail and when I asked everyone just old me some bull about holidays, thank God I called and they said it was their fault something about a glitch in the system, long story short I went digital. Was my fault should have been on it more but tryin to do better. And I understand completely about the people trying to live beyond their means , one reason I'm really trying to tip toe into this whole credit thing.
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Re: 0-430 in eight months
[Re: Donnersurvivor]
#7208692
03/08/21 12:54 AM
03/08/21 12:54 AM
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Joined: Jul 2013
Posts: 12,051 Amite county Mississippi
Wolfdog91
OP
trapper
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OP
trapper
Joined: Jul 2013
Posts: 12,051
Amite county Mississippi
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Just had my credit ran when I bought my truck 791.
I've had a checking account since 18, credit card since 18, I pay my card off every month. That is the only things I have really done.
Don't miss anymore payments, that is hurting you. Go get a credit card with a lower monthly limit, research some cards, I believe there are a few with a couple hundred dollar limit just for this type of thing, use it and pay it off every month. Thinking had a checking since I was 15 lol but credit is just a taboo thing around here I guess. Ask any of my family about what I should get or advice it's just nope you dont need one don't get one . Wanted to get the HF card because it's a 0% intrest as long as your balance is payed off in full each month . And the way it's set up they will break up your payments equally for 6-36 months depending on what you bought. 25.9% APR though which has me worried but I like how I only use it at HF. Least that way I won't become a idiot ( seems eveyone my age gets a credit card and end up using it in every place they walk into) and have a bill I couldn't pay up front in cash. I could care less about their reward points and all just like the idea of being able to build credit by paying for something over time I already ready had cash for . I am looking into other cards though I keep meain to stop and talk with my bank about getting one from them
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Re: 0-430 in eight months
[Re: GREENCOUNTYPETE]
#7208697
03/08/21 01:01 AM
03/08/21 01:01 AM
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Joined: Jul 2013
Posts: 12,051 Amite county Mississippi
Wolfdog91
OP
trapper
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OP
trapper
Joined: Jul 2013
Posts: 12,051
Amite county Mississippi
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go a year missing no payments and you will probably be 550-600
it's a little like school 0 is failing 300 is failing 450 is a D 550-600 is a C 650-700 is a B 700-750 is an A when you get over 800 your into grade weighted classes with an A+ I think they call it AA
if you can get a payment ahead on your car and your house it is not a bad idea
I spent a long time in the 700s
then one day you end up over 800 when you have obscene amounts of credit and have most everything paid off , half your mortgage paid off , a decade with out any late payment.
Well my house is paid for except for the property tax yearly so I don't have to worry about that but I am working on getting ahead on my car payment. At the very least I try to pay a extra $20 or so on each note. It's not much but from everything I've read it does help. Since it's $250 a moth I was planning on trying to budget so can double that every few months or so ( as in paying $500 instead of $250 every now and then)
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Re: 0-430 in eight months
[Re: Wolfdog91]
#7208724
03/08/21 02:24 AM
03/08/21 02:24 AM
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Joined: Oct 2019
Posts: 2,874 Kentucky
KYtrapper2005
trapper
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trapper
Joined: Oct 2019
Posts: 2,874
Kentucky
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Thought this was gonna be about Chevy trucks. The amount of time going to the mechanic
Last edited by KYtrapper2005; 03/08/21 02:24 AM.
Trapping is what built North America, why take that away?
pro second amendment-- pro God-- pro Trump-- Pro America!
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Re: 0-430 in eight months
[Re: Wolfdog91]
#7208754
03/08/21 06:21 AM
03/08/21 06:21 AM
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Joined: Dec 2006
Posts: 29,993 williamsburg ks
danny clifton
"Grumpy Old Man"
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"Grumpy Old Man"
Joined: Dec 2006
Posts: 29,993
williamsburg ks
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You need to increase your income. Your income plays a big part in your score. That missed payment will haunt you for awhile. If you can earn more money your score will reflect it.
Those who would give up essential liberty, to purchase a little temporary safety, deserve neither liberty nor safety. Benjamin Franklin (1706-1790)
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Re: 0-430 in eight months
[Re: Wolfdog91]
#7208769
03/08/21 06:56 AM
03/08/21 06:56 AM
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Joined: Dec 2006
Posts: 13,259 Central Pennsylvania
Nittany Lion
Don't call me Mister, Mister
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Don't call me Mister, Mister
Joined: Dec 2006
Posts: 13,259
Central Pennsylvania
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Did you ever make up the payment you missed?
I got myself a seniors' GPS. Not only does it tell me how to get to my destination, it tells me why I wanted to go there.
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Re: 0-430 in eight months
[Re: Wolfdog91]
#7208780
03/08/21 07:31 AM
03/08/21 07:31 AM
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Joined: Dec 2006
Posts: 21,768 Sandhills Nebraska
Gary Benson
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trapper
Joined: Dec 2006
Posts: 21,768
Sandhills Nebraska
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Is there a place a person can find what his credit score? I figure the less credit I have the better. I hate owing anybody anything. Several years ago it was over 800.
Life ain't supposed to be easy.
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Re: 0-430 in eight months
[Re: Wolfdog91]
#7208790
03/08/21 07:40 AM
03/08/21 07:40 AM
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Joined: Dec 2006
Posts: 1,253 Oklahoma
Wesley
trapper
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trapper
Joined: Dec 2006
Posts: 1,253
Oklahoma
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I think your family has already given you the best advice. Why play games with the credit card companies to build your credit score so you can borrow more money? Screw that. Leave them alone.
Previously Bridger158, before the great "Time Out".
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Re: 0-430 in eight months
[Re: Wolfdog91]
#7208794
03/08/21 07:48 AM
03/08/21 07:48 AM
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Joined: Dec 2006
Posts: 29,993 williamsburg ks
danny clifton
"Grumpy Old Man"
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"Grumpy Old Man"
Joined: Dec 2006
Posts: 29,993
williamsburg ks
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Credit cards can be a real handy tool or da debil. Its all up to you.
Those who would give up essential liberty, to purchase a little temporary safety, deserve neither liberty nor safety. Benjamin Franklin (1706-1790)
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Re: 0-430 in eight months
[Re: Wolfdog91]
#7208807
03/08/21 08:10 AM
03/08/21 08:10 AM
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Joined: Mar 2019
Posts: 1,497 Southern NJ
maintenanceguy
trapper
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trapper
Joined: Mar 2019
Posts: 1,497
Southern NJ
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We haven't had debt in 25 years. Life really is better without owning anyone anything. We are planning to move in about a year. We will probably be looking for a mortgage. Not sure how that's handled when I have no credit score at all. Seems to me that we're managing our money better than most but it will probably hurt me. Hoping we can find a bank that will look at our whole financial picture without a credit score.
-Ryan
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Re: 0-430 in eight months
[Re: Wesley]
#7208813
03/08/21 08:24 AM
03/08/21 08:24 AM
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Joined: Nov 2012
Posts: 1,115 midland, michigan
midlander
trapper
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trapper
Joined: Nov 2012
Posts: 1,115
midland, michigan
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I think your family has already given you the best advice. Why play games with the credit card companies to build your credit score so you can borrow more money? Screw that. Leave them alone. X100 your family gave you the best advice on here....you dont need credit cards
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Re: 0-430 in eight months
[Re: Wolfdog91]
#7208825
03/08/21 08:41 AM
03/08/21 08:41 AM
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Joined: Mar 2012
Posts: 3,878 meadowview, Virginia
EdP
trapper
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trapper
Joined: Mar 2012
Posts: 3,878
meadowview, Virginia
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X100 your family gave you the best advice on here....you dont need credit cards I think there are some times that you do need a CC. For example, try to rent a car without one. You can't. Besides those few cases where you really do need one, a CC is a huge convenience that saves both time and money. My card pays me back a minimum 1.5% on every purchase. No points or airline miles, it automatically applies against my bill. That means I pay less for things than people that pay cash. At the gas station I am in and out faster because I use a card. That saves me time. Try to make on line purchases without a CC. If you can it will be with a significant delay as they wait for you check to arrive and clear. It all adds up over the years. With the benefits established, it must be realized that some people are better off without CCs because they can't exercise the discipline to control their spending and pay off the card on time every month.
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