That's awesome for you. For me, I am horrible with money and until recently myhusband handing me a credit card meant it would be maxed out in a month.
...I haven't needed one, but a friend of mine found out, despite paying his everything, even credit card(which I do not have) on time, his credit score is bad because he's applied for a lone a few times, once he got it and paid it back on time, but the other times they turned him down. It apparently lowers it down when you apply.
believe it or not,the simple act of checking your credit score lowers it.. and i have no idea what mine is.. im assuming excellent. couple years back i walked into the bank and got a 9 grand signature loan (no collateral) so it must be good..
same here. actually, i know my credit is horrendous. one of these days i'll just declare bankruptcy. but that involves paying a lawyer, which i can't afford right now. but seriously. debt is stupid. and what the hell is the point of having credit unless you want to accrue some debt? idk. i just think that everyone's reliance on credit and credit cards and taking out loans for everything is just what got us in this shitty economy situation to begin with.
Continue your boring thread, I simply have different priorities than you. Your credit is a priority for you whereas not being a bitch is a priority for me. Different strokes.