i feel liberated!

i hawk my credit report webiste the first week of every month...and...my score went up again for the third month in a row!

i wish i discovered how liberating and amazing this progress would feel - i would have financially reformed years ago had i known!

this is such an addiction and i feel really proud!

sorry to pat myself on the back but i just feel really good....

Re: i feel liberated!

that is really cool. was ur score really low before and now ur trying to rebuild?
what website r u using?

Re: i feel liberated!

thats amazing! my husband has been going through the process of building up his credit score and it has improved exponentially from where it was 2 years ago - he's super excited to see the transformation too, and that he can still spend money & have fun while saving and being in a better place financially!

great job!

Re: i feel liberated!

That's awesome!!!!! I just went through my credit card statements last night and added up the balances....

Re: i feel liberated!

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Posted by regy_k

that is really cool. was ur score really low before and now ur trying to rebuild?
what website r u using?

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It actually wasn't really low when I started this project but when we started talking about buying a house I realized it wasn't where I needed/wanted it to be.

In my early 20s I was just careless and had late payments and several credit cards...minor stuff...but it really dinged my score.

I bank with USAA (my dad went to the naval academy so my whole family has access) and I used a credit check monitoring system with the 3 major credit boroughs through them. It is a really comprehensive website and they offer tons of features. I get to see where I am ranked against the nation which provides a lot of insight about the type of loan we will be able to get.

Re: i feel liberated!

Oh I thought you were going to say you took off your control top. Congrats

Re: i feel liberated!

Seriously -- I think they need to have classes in high school for kids about how important credit is.

IT IS SO DANGEROUS TO RUIN YOUR CREDIT.


DH's is terrible. Mine's pretty good. We're working on his.

Re: i feel liberated!

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Posted by flibbertigibbet

Seriously -- I think they need to have classes in high school for kids about how important credit is.

IT IS SO DANGEROUS TO RUIN YOUR CREDIT.


DH's is terrible. Mine's pretty good. We're working on his.

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One of my classmates did a presentation on a study he had published on his analysis of US credit literacy and the results were scary.

I totally agree - there absolutely needs to be a more formal approach towards teaching kids about credit.

Re: i feel liberated!

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Posted by Byrne2Be

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Posted by regy_k

that is really cool. was ur score really low before and now ur trying to rebuild?
what website r u using?

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It actually wasn't really low when I started this project but when we started talking about buying a house I realized it wasn't where I needed/wanted it to be.

In my early 20s I was just careless and had late payments and several credit cards...minor stuff...but it really dinged my score.

I bank with USAA (my dad went to the naval academy so my whole family has access) and I used a credit check monitoring system with the 3 major credit boroughs through them. It is a really comprehensive website and they offer tons of features. I get to see where I am ranked against the nation which provides a lot of insight about the type of loan we will be able to get.

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I have no idea what USAA or or the 3 majors are. plz give more deets.
talking about illiterate credit holder (and I'm an accountant on top of everything). the only thing I know abt credit cards is never spend more than u can afford. I do have a bit on them but mostly we pay them off constantly.
this sbj is giving me ulcers