Joined: Sun Oct 17, 2004 7:19 pm Posts: 39068 Location: Chapel Hill, NC, USA Gender: Male
Does everyone know that you can get three free credit reports a year (1 a year from 3 different companies)??
Quote:
How To Access Free Credit Report Online: http://www.annualcreditreport.com By Phone: (877) 322-8228 By Mail: Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281
Applicants are required to provide their name, address, Social Security number and date of birth. Requests should be processed within 15 days.
_________________ "Though some may think there should be a separation between art/music and politics, it should be reinforced that art can be a form of nonviolent protest." - e.v.
Joined: Sun Oct 17, 2004 7:19 pm Posts: 39068 Location: Chapel Hill, NC, USA Gender: Male
Serjical Strike wrote:
My credit is outstanding, thanks to my wife who helped me get my shit together years ago.
Took me a few minutes. I was suprised that those late payments to Visa in college didn't hurt me. They're no where to be found.
_________________ "Though some may think there should be a separation between art/music and politics, it should be reinforced that art can be a form of nonviolent protest." - e.v.
Joined: Wed Mar 02, 2005 3:43 am Posts: 18418 Location: Anytown, USA Gender: Male
my credit is perfect.
i have a little debt, but i make sure i never miss a payment.
_________________
stip wrote:
In five years, when you get laid and grow up, you should go back and read some of these posts and if you've turned into a decent person you'll realize how much of an asshole you sound like right now
Joined: Sat Oct 16, 2004 10:52 pm Posts: 1727 Location: Earth Gender: Male
Seeing as how I've never had a bank account, cell phone, credit card, or car payment of any kind I don't think I have credit. Though I do have my name on a telephone and electric bill. Does that mean I have some credit?
_________________ "The smart way to keep people passive and obedient is to strictly limit the spectrum of acceptable opinion, but allow very lively debate within that spectrum." -Noam Chomsky
Joined: Mon Oct 18, 2004 4:52 pm Posts: 10620 Location: Chicago, IL Gender: Male
IEB! wrote:
Seeing as how I've never had a bank account, cell phone, credit card, or car payment of any kind I don't think I have credit. Though I do have my name on a telephone and electric bill. Does that mean I have some credit?
Joined: Wed Oct 20, 2004 2:43 am Posts: 870 Location: We chase misprinted lies.....
IEB! wrote:
Seeing as how I've never had a bank account, cell phone, credit card, or car payment of any kind I don't think I have credit. Though I do have my name on a telephone and electric bill. Does that mean I have some credit?
Just because you have been able to avoid these traps, I have new found respect for you.
Joined: Sun Oct 17, 2004 7:19 pm Posts: 39068 Location: Chapel Hill, NC, USA Gender: Male
IEB! wrote:
Seeing as how I've never had a bank account, cell phone, credit card, or car payment of any kind I don't think I have credit. Though I do have my name on a telephone and electric bill. Does that mean I have some credit?
Living off the grid, are we?
_________________ "Though some may think there should be a separation between art/music and politics, it should be reinforced that art can be a form of nonviolent protest." - e.v.
Joined: Mon Oct 18, 2004 4:02 am Posts: 1918 Location: Ephrata
IEB! wrote:
Seeing as how I've never had a bank account, cell phone, credit card, or car payment of any kind I don't think I have credit. Though I do have my name on a telephone and electric bill. Does that mean I have some credit?
actually this is nothing short of impossible in my book
may I ask how old you are and if you're of age how do you do it?
_________________ no need for those it's all over your clothes it's all over your face it's all over your nose
How is that almost impossible? Up until about two months ago my 25 year old brother never had any of those things. I made him open a bank account and get a credit card to establish credit. The only thing on there that is hard to imagine not having is a bank account. None of the things on IEB's list are necessities.
Joined: Wed Mar 02, 2005 3:43 am Posts: 18418 Location: Anytown, USA Gender: Male
my brother is 24. has no bank account, no car payment, and lives with my parents. has no bills of any kind.
i did convince him to get a cell phone, but of course he insisted he just get on my plan, which i agreed to.
_________________
stip wrote:
In five years, when you get laid and grow up, you should go back and read some of these posts and if you've turned into a decent person you'll realize how much of an asshole you sound like right now
Joined: Sun Oct 17, 2004 7:19 pm Posts: 39068 Location: Chapel Hill, NC, USA Gender: Male
Cal Varnsen wrote:
my brother is 24. has no bank account, no car payment, and lives with my parents. has no bills of any kind.
i did convince him to get a cell phone, but of course he insisted he just get on my plan, which i agreed to.
And when he applies for a home/car loan, he probably won't get it w/o your parents as cosigners.
_________________ "Though some may think there should be a separation between art/music and politics, it should be reinforced that art can be a form of nonviolent protest." - e.v.
Joined: Wed Mar 02, 2005 3:43 am Posts: 18418 Location: Anytown, USA Gender: Male
B wrote:
Cal Varnsen wrote:
my brother is 24. has no bank account, no car payment, and lives with my parents. has no bills of any kind.
i did convince him to get a cell phone, but of course he insisted he just get on my plan, which i agreed to.
And when he applies for a home/car loan, he probably won't get it w/o your parents as cosigners.
well, he is probably never going to leave home, and i'm pretty sure he could get a car. they give car loans to anybody nowadays.
_________________
stip wrote:
In five years, when you get laid and grow up, you should go back and read some of these posts and if you've turned into a decent person you'll realize how much of an asshole you sound like right now
Joined: Sun Oct 17, 2004 7:54 am Posts: 10731 Location: The back of a Volkswagen
punkdavid wrote:
My credit is OK but not great due to the fact that I never had a loan or credit card of any kind until I was 28.
And my wife's credit is teh suck.
Yeah I haven't gotten a credit card yet while most of my friends have one. I haven't had reason to get a credit card. However I should probably get one soon just to build up a good credit score.
Joined: Sun Oct 17, 2004 7:19 pm Posts: 39068 Location: Chapel Hill, NC, USA Gender: Male
We buy everything on credit. Even if we have the money. We had the floor done and had the money, but got the one year same as cash. That way, we pay over a year, and we always have cash ready in the bank if there is an emergency.
_________________ "Though some may think there should be a separation between art/music and politics, it should be reinforced that art can be a form of nonviolent protest." - e.v.
Joined: Sat Oct 16, 2004 10:52 pm Posts: 1727 Location: Earth Gender: Male
Hardly impossible. Actually it's been fairly simple. First off I keep all money in cash form. Any checks I get from work I cash out at the liquor store down the street. My girlfriend pays for the bills w/ her accounts. I give her cash for everything. With the exception of rent which our landlord loves getting in cash. I have a safty deposit box for large sums of money that I don't feel comfortable having at my house. Both jobs that I have I am paid in cash. With the exception of the hourly paycheck which is really nothing and I usually blow that at the grocery store.
Off the grid indeed. If I want something I save for it and pay for it in full with cash. I have a large supply of cash in case of a emergency. Probably a lot more then what my limit on a credit card would be anyway. It's a little more work to keep my financial situation like this, but I've been doing it like this since I was 16, so I will continue because I've made it work so well. Oh and I'm 27. So over 10 years. I hate paying interest, I hate credit card companies, and I really hate identity/CC theft. I've been able to avoid all that by doing things this way.
_________________ "The smart way to keep people passive and obedient is to strictly limit the spectrum of acceptable opinion, but allow very lively debate within that spectrum." -Noam Chomsky
i like having to look up the security questions they ask me. god, i'm stupid
_________________ i was dreaming through the howzlife yawning car black when she told me "mad and meaningless as ever" and a song came on my radio like a cemetery rhyme for a million crying corpses in their tragedy of respectable existence
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