Credit reports online Birmingham

I was told I should utilize my credit reports online Birmingham credit cards more to build credit...but....so far I have had no trouble getting by. I credit reports online Birmingham travel for fun which is pretty much the only time I use them and life is good. I invision evil little trolls in a dark cavern, somewhere, just cursing my ability to function outside of the credit system.

Think about it, credit scores are only important to the lender or the people attempting to get the lender to lend to them. Those scores are little more than a rating of what you have credit reports online Birmingham done credit wise. It credit reports online Birmingham is not a reflection of your worth, you could have had NO REASON to borrow, in which case your score would have been lower than someone who did borrow and paid back late or never, probably a "0"! about credit reports

You may have been TOO QUICK at paying back, (nothing less than a two year period is any score at all)! The score is only important......................IF credit reports online Birmingham YOU WANT OR NEED TO BORROW.............OR, MORE IMPORTANTLY...............DO NOT HAVE ANY credit reports online Birmingham COLATERAL (AN OLD AND SELDOM USED TERM SINCE THE MODERN CREDIT DAYS OF "NOTHING DOWN, FOREVER TO PAY")! It took me almost a month to get a loan on my present house because I always paid debt off ASAP..................YET THE 30YR MORTGAGE ON THIS HOUSE WAS PAID OFF IN 3YR, 3MOS, so tell me............how well does the score represent what the lender needs? your credit history In this case, very well, ..............because they didn't want to make asmall interest return that came from early retirement of the loan, but due to law were still forced to do the loan.

Thier (the lenders) job is to make (or get my money) and my job is to attempt to keep my money............and I give a crap about any credit score until, or more clearly..........IF, I ever HAVE to borrow again! A credit score is nothing more than a measure ofhow big a mark a person is. Who in their right mind would willingly agree to pay the shylock interest rates required by these credit card companies?

95% of people who have credit cards CANNOT pay off their monthly balances to avoid interest. As far as buying a house we just got a loan for $250,000 & our credit scores were not good. fre credit report Since the average consumer has little protection against credit card companies and our own credit scores,,I believe the best way to stay out of financial trouble is to try to AVOID using credit when possible.