08-12-2004, 01:24 PM
JackoliciousLegs Wrote:.RJ Wrote:Established credit from using a CC was not enough to get decent financing on a car. I figure you only really need credit for a car or a house.JackoliciousLegs Wrote:What the do to your credit is enough to get you a cell phone... and that's about it.Huh?
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If you feel that you're not getting credit through no fault of your own, check your credit report! Clear up anything that might have been mis-reported. Look for discrepancies! I went for almost 6 months wondering why nobody would extend me credit (had to put a deposit on a cell phone plan, had to get a bond for an apartment, wasn't able to do the stupid 6 months same-as-cash thing when I bought a bed, couldn't get a loan for the truck, etc...) Turns out, a woman in California had decided to "borrow" my social security number, and ran up several thousand dollars worth of telephone charges - which were shown on *my* credit report. Took awhile to get that mess cleaned up, on my dime of course :x
Moral of that story is that credit is everything in today's consumer world. I spend $20 and check my reports at least a couple of times a year, especially before major purchases which require a loan (ie - WRX, and house). Sad, but you're the only person who *really* cares about your own credit - none of the agencies proactively look for problems or fraud.
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My two feet.