What are YOU Doing..... - Financial Management

Ellen · 12-04-2007, 02:46 PM

To increase your credit score???

jamie~lynn · 12-04-2007, 03:02 PM

Paying off my credit card!

Rachael · 12-04-2007, 03:04 PM

trying to keep my credit card balance under half of what is available.

Jill · 12-04-2007, 03:05 PM

When you pay everything with cash you dont have to worry about credit scores!

Dave Ramsey taught me that. Now I just need to find all that cash

Becca · 12-04-2007, 03:06 PM

Paying the bills. We were utilizing our credit and paying it off every month, until we started shopping for Christmas

April · 12-04-2007, 03:06 PM

nothing

our credit card we pay off every month so I guess that helps. pay my student loan on time, not get anymore credit anywhere?

I dont actually do anything purposly

But our only debt is cars and student loan.

and I fully expect to ALWAYS have a car payment

Trey · 12-04-2007, 03:08 PM

Keeping the balances below 40% (except for one).

Making minimum payments on all and paying off the highest interest rate (actually it's the only one with an interest rate) and "snowballing". Our payments are up to about $800 for the snowball account.

(ETA: I know that switching cards to get the 0% rate isn't the best for our credit, but it means we save money and pay off our debt faster, so in return it will mean a better score in the end).

Stopped opening store accounts.. I have one at each store that I frequently go to and use them to get the discounts and pay them off immediately.

We don't use credit cards at all anymore except for major purchases, and only if we have the cash to pay it off immediately.

PrincessBlue505 · 12-04-2007, 06:28 PM

Pay the bills on time and more than the minimum due. Also trying to get the balances down.

sgmwife1 · 12-04-2007, 06:38 PM

Paid off all debt minus the house and closed credit accounts that were open. Im not too concerned about my credit score because you dont need credit to spend cash.

Genna · 12-04-2007, 06:53 PM

You can always tell the Dave Ramsey fans when it comes to credit scores

Ditto to no need for a credit score when you use cash

12-04-2007, 02:46 PM	#1 (permalink)
Ellen Loving Life! Join Date: Feb 2006 Posts: 21,995 Blog Entries: 4 Classifieds: (2) Activity: 6% Longevity: 64%	What are YOU Doing..... To increase your credit score??? __________________ My Guys!!

12-04-2007, 03:02 PM	#2 (permalink)
jamie~lynn Senior Member Join Date: Oct 2007 Location: Seymour Johnson AFB Posts: 371 Classifieds: (0) Activity: 13% Longevity: 35%	Paying off my credit card! __________________

12-04-2007, 03:04 PM	#3 (permalink)
Rachael Lil Wayne's Future Wifey Join Date: Jan 2004 Location: San Diego, CA Posts: 23,718 Classifieds: (1) Activity: 11% Longevity: 99%	trying to keep my credit card balance under half of what is available. __________________ Fall seven times, stand up eight. Japanese proverb http://www.thegourmetcupboard.com Independent Distributor #4313 Biggest Loser Team Purple!! Mrs Ski and myself!!!

12-04-2007, 03:06 PM	#6 (permalink)
April It's YOUR choice Join Date: Jan 2004 Location: HOME IN TEXAS!!!!! Posts: 7,957 Classifieds: (1) Activity: 0% Longevity: 98%	nothing our credit card we pay off every month so I guess that helps. pay my student loan on time, not get anymore credit anywhere? I dont actually do anything purposly But our only debt is cars and student loan. and I fully expect to ALWAYS have a car payment __________________ Freedom and Liberty require Service and Sacrifice

12-04-2007, 03:08 PM	#7 (permalink)
Trey Jamie's favorite. Be jealous. Join Date: Sep 2005 Location: Where the surf meets the sand... Posts: 23,300 Classifieds: (3) Activity: 70% Longevity: 71%	Keeping the balances below 40% (except for one). Making minimum payments on all and paying off the highest interest rate (actually it's the only one with an interest rate) and "snowballing". Our payments are up to about $800 for the snowball account. (ETA: I know that switching cards to get the 0% rate isn't the best for our credit, but it means we save money and pay off our debt faster, so in return it will mean a better score in the end). Stopped opening store accounts.. I have one at each store that I frequently go to and use them to get the discounts and pay them off immediately. We don't use credit cards at all anymore except for major purchases, and only if we have the cash to pay it off immediately. __________________

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12-04-2007, 03:05 PM	#4 (permalink)
Jill It must be nice to live in your world Join Date: Sep 2004 Location: Northern Virginia Posts: 6,086 Classifieds: (0) Activity: 16% Longevity: 87%	When you pay everything with cash you dont have to worry about credit scores! Dave Ramsey taught me that. Now I just need to find all that cash

12-04-2007, 06:28 PM	#8 (permalink)
PrincessBlue505 Loving being a MOMMY!!! Join Date: Jan 2006 Location: Pensacola, Florida Posts: 4,748 Classifieds: (0) Activity: 8% Longevity: 65%	Pay the bills on time and more than the minimum due. Also trying to get the balances down. __________________

12-04-2007, 06:53 PM	#10 (permalink)
Genna Senior Member Join Date: Nov 2006 Location: Pearl Harbor, HI Posts: 657 Classifieds: (0) Activity: 26% Longevity: 51%	You can always tell the Dave Ramsey fans when it comes to credit scores Ditto to no need for a credit score when you use cash __________________ Birth Doula and Childbirth Educator In Training