My credit score does suck for that reason and because due to divorce I haz a court judgement against me.
The only credit card I have is from my employer. I pay cash for everything except major purchases.
unit472/
December 5, 2017 6:57 pm
The only time I was rejected for credit was by Macy’s. Never understood why. The first time, well maybe ( and I’m glad they did) I wanted a new stereo system and it cost $1400 in 1980. I had a good job with a decent income but was only 28. Macy’s said I couldn’t have it.
Interestingly enough, 30 years later, I was newly retired and moved to Florida. I needed some new clothes so I was at a Macy’s and the clerk implored me to apply for a Macy’s credit card. I had a little over $1 million dollars in my checking account so I thought, why not, they can’t refuse me now.
Oh yes they could! 30 years of zero balances on my credit accounts made me a ZERO in the eyes of Macy’s.
deplorably stanley
December 5, 2017 7:24 pm
My next door neighbor a few years ago, late 30’s and old enough to know better, bought a new car and excitedly told me –
“They gave me so much credit to buy this car, I didn’t realize I was so wealthy”
General
December 5, 2017 8:40 pm
The credit score is just an estimation of how good a slave you are to the system.
How good of a slave….and your ability to be milked of future income.
IndenturedServant
December 5, 2017 9:01 pm
I expect I’ll soon have no credit score as we’ve managed to pay off all our debts and have no intention of ever borrowing money again. We still have a credit card we use about six times each year but it gets paid off every month in full if a balance is owed. I might close it though and just use my debit card but I hate leaving $ in the bank. The debit card is only used for gas purchases.
Being debt free ain’t easy but it’s a damn sight easier than being in debt!
Thanks llpoh. We could have done it sooner but decided to put half of our excess into savings into PM’s and other preps. So now we find ourselves in the completely foreign position of having some assets in addition to a paid for home and no debt. Last weekend I momentarily panicked and was stopped in my tracks thinking I forgot to pay the mortgage. I hope that happens frequently for the rest of my life.
We celebrated by buying some long overdue carpet and new furniture plus two new guns. Now we go back to living like paupers because we are behind the eight ball in terms of retirement assets. If we can stay employed we should be alright. My brother and I are getting a decent side business off the ground that won’t require employees and allows us to keep our day jobs so I might get across the finish line a bit early but definitely not planning on it.
Our only regret? Not waking up sooner.
Grog
December 5, 2017 11:35 pm
The Bible tells me that 7 is the perfect number.
So, I guess I have perfect credit.
racistwhiteguy
December 6, 2017 10:53 am
The credit score is used against you as leverage for dirty landlords who steel from you. I don’t give my ss# to anyone! Period!
james the deplorable wanderer
December 6, 2017 11:59 am
I was planning to drive the 2001 Honda Civic for another few years, but alas, fate had other plans. My eldest hit an icy patch and did minor damage to another car, no one hurt thank goodness. However, the car was now unreliable and I was forced back into the car market.
We found a used 2010 Kia Soul for reasonable money, so off I went to the car dealership that had it. We’ve done business with them before, so I knew they generally know how to service cars, and they had kept this one going for a while. We went through all the usual aggravation (wifey won’t go car shopping with me, she can’t tolerate four hours of bullshit for something that could have been done in 30 minutes) and came out the other end with what we wanted; a serviceable used car with not too many miles for a low monthly payment (we put 30% down).
The kicker was towards the end, the salesman told me once he saw my credit rating he knew I was good for a new one and wanted to sell me one, but two feeble tries convinced him I was set on the used one. A decent credit score can be your friend, but I hate to depend on one!
I’ve been told that my credit score sucks because I don’t borrow money and pay off all bills monthly.
Fucking crazy ass racket.
My credit score does suck for that reason and because due to divorce I haz a court judgement against me.
The only credit card I have is from my employer. I pay cash for everything except major purchases.
The only time I was rejected for credit was by Macy’s. Never understood why. The first time, well maybe ( and I’m glad they did) I wanted a new stereo system and it cost $1400 in 1980. I had a good job with a decent income but was only 28. Macy’s said I couldn’t have it.
Interestingly enough, 30 years later, I was newly retired and moved to Florida. I needed some new clothes so I was at a Macy’s and the clerk implored me to apply for a Macy’s credit card. I had a little over $1 million dollars in my checking account so I thought, why not, they can’t refuse me now.
Oh yes they could! 30 years of zero balances on my credit accounts made me a ZERO in the eyes of Macy’s.
My next door neighbor a few years ago, late 30’s and old enough to know better, bought a new car and excitedly told me –
“They gave me so much credit to buy this car, I didn’t realize I was so wealthy”
The credit score is just an estimation of how good a slave you are to the system.
^^THIS^^
How good of a slave….and your ability to be milked of future income.
I expect I’ll soon have no credit score as we’ve managed to pay off all our debts and have no intention of ever borrowing money again. We still have a credit card we use about six times each year but it gets paid off every month in full if a balance is owed. I might close it though and just use my debit card but I hate leaving $ in the bank. The debit card is only used for gas purchases.
Being debt free ain’t easy but it’s a damn sight easier than being in debt!
Good job, IS.
Thanks llpoh. We could have done it sooner but decided to put half of our excess into savings into PM’s and other preps. So now we find ourselves in the completely foreign position of having some assets in addition to a paid for home and no debt. Last weekend I momentarily panicked and was stopped in my tracks thinking I forgot to pay the mortgage. I hope that happens frequently for the rest of my life.
We celebrated by buying some long overdue carpet and new furniture plus two new guns. Now we go back to living like paupers because we are behind the eight ball in terms of retirement assets. If we can stay employed we should be alright. My brother and I are getting a decent side business off the ground that won’t require employees and allows us to keep our day jobs so I might get across the finish line a bit early but definitely not planning on it.
Our only regret? Not waking up sooner.
The Bible tells me that 7 is the perfect number.
So, I guess I have perfect credit.
The credit score is used against you as leverage for dirty landlords who steel from you. I don’t give my ss# to anyone! Period!
I was planning to drive the 2001 Honda Civic for another few years, but alas, fate had other plans. My eldest hit an icy patch and did minor damage to another car, no one hurt thank goodness. However, the car was now unreliable and I was forced back into the car market.
We found a used 2010 Kia Soul for reasonable money, so off I went to the car dealership that had it. We’ve done business with them before, so I knew they generally know how to service cars, and they had kept this one going for a while. We went through all the usual aggravation (wifey won’t go car shopping with me, she can’t tolerate four hours of bullshit for something that could have been done in 30 minutes) and came out the other end with what we wanted; a serviceable used car with not too many miles for a low monthly payment (we put 30% down).
The kicker was towards the end, the salesman told me once he saw my credit rating he knew I was good for a new one and wanted to sell me one, but two feeble tries convinced him I was set on the used one. A decent credit score can be your friend, but I hate to depend on one!