Credit: Do you have good/bad credit?? Vol. Suze Orman

[sneakerpimp2k8]

Credit: Do you have good/bad credit?? Have you ruined your credit? Is it in great shape? Has a family member or friend ruined it? I ruined mine in college andthe past few years I've managed to pay off my bills and get on the right track, but now I need to build it back up....how else can you build your creditbesides credit card purchases??? Discuss

 

[triplethreat0699]

bad credit, im on my way to getting everything back to zero, though so i should be a good boy and ill be straight ina year or so, im only 20 btw

 

[sneakerpimp2k8]

youre young, thats a good thing....atleast you learned your lesson before its time to buy a car/house etc

 

[atlien seeko]

Good credit. I'm 21 and I bought a car on my own, making payments every month on time and I have a couple of credit cards that I've never been late on.Feels good.

 

[mytoasterspeak]

I recently found out you need at least a 680 to get a 4.25% rate on a mortgage, so just try to stay above that. I have a 634 raised my score 100 points in twoyears. My credit was horrible, but discipline and smarts have put me on the right track. Shooting for 700+ by the middle of next year.

 

[ogbobbyjohnson773]

Car, crib, credit, A 1 steak sauce.

 

[swyftdahoe]

Excellent credit.

 

[kingtre]

is

esp in these times-

 

[EddieWinslow1983]

any online free credit report places?

 

[xcellziscrack]

bad credit messed it up last year i didnt have a job for a while and got like 2 credit cards

i got time to fix it though im only 21 plan on paying both of them off later this year.

 

[unhappy huf camper]

I have good credit right now. I've had a credit card for the past 2 years. I pay everything in Full and on time. I don't know my credit score... Inever checked. I started off with a student credit card with a low limit from my bank and now I have 4 credit cards and 2 AMEX charge cards. I recently justgot a Platinum Amex.

 

[biglescobar]

im up over 810 now, just had it checked to get a mortgage so im good shape...

 

[crazy dav0]

my limts been cut by citi ... score went down ... now its only good ....

... my fault for running a balance .... will b good in a few months

 

[shortydoowopp]

i'm not to far from having excellent credit...

 

[gaseousfashion]

I have good credit!

 

[queencitysneakerqueen]

Really good credit working on making it excellent credit

 

[justsnoopit86]

i started out great for a couple years, but maxed out 2 credit cards and then stopped making payments on those and also a personal loan in the past year.



but i recently settled the personal loan and am currently in the process of settling the 2 credit cards. so i should be good.



23 btw.

 

[trasoul82]

I'm already paying a mortgage, I have untapped VA loans that are pretty much guaranteed, and pay my credit card(s) off monthly (Amex Gold forces thathabit). I saw $250 worth of write-offs on my credit report, but I was just approved for 4.875% on my refinanced mortgage (down from 6.5%), so I guess I'mgood.

 

[czur1127]

im gettin good...

 

[neverds]

23 years old with a credit score of 772... looking into buying my first condo this year

 

[solewoman]

working on it..was a victim of identity theft. and all that is finally off my credit...im tryna build it up now.

 

[russoull]

It WAS.

I had my balance at 90% used for a good 6 months (mind you its been paid off by the end of the month for a year) and they upped my Minimum payment from$25-$60.

So far I owe about $600 which should be paid off in 2.5 weeks. I need to start savin. Glad I only have ONE credit card though.

 

[reeeem0]

credit was sexy for a good year (im 19 now)


everything went to !#%% around october...money ran out and have 2 credit cards overdrawn and a overdrawn bank account



ugghhhhhhhhhhhhhhhhhhhh

 

[sneakerpimp2k8]

ouch...ive been there b4^^

 

[kicksaholic86]

I have good credit. I've never missed a payment.