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#14
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John Harlow wrote: Plenty of people willing to offer me credit, those who have crappy support, get the Scissor treatment. I usually have a few in the drawer because they were giving something away for enrolling (Margy needed at hat at Oshkosh once so we got EAA Visa cards lying around in the drawer). For those interested in improving their credit ratings: it can be detrimental to have several open credit lines (with balances or not) as potential lenders will consider the possibility of you running up balances and not being able to pay their debt back. Make sure you call credit card companies you have unnecessary credit with and cancel directly with them - cutting up the card isn't good enough. Actually it's the opposite. You do not want to be closing down a bunch of cards where the only reson is you don't need it. Do a google search on credit rating. Saw a guy on TV explain it. The new system values the amount of time each of your accounts has been open. A bunch of accounts open a short time and then closed is very bad. In fact a twentysomething kid is not able to get as high a credit score as an average 50 something simply because of the time factor. |
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