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0-430 in eight months #7208609
03/07/21 11:31 PM
03/07/21 11:31 PM
Joined: Jul 2013
Posts: 7,949
Amite county Mississippi
Wolfdog91 Offline OP
trapper
Wolfdog91  Offline OP
trapper

Joined: Jul 2013
Posts: 7,949
Amite county Mississippi
Ok so quick credit question. So been trying to build credit ( btw thanks for eveyone who gave me advice ) and tried applying for a credit card. Went after Harbor Freights in-store card since I'm always in and not like I'm going to get anything more than $900 (and their payment plan seems pretty good) there but got turned down because of a low credit score of apparently 430. Now I'm curious roughy eight months ago when I bought my car the lady at the dealership said I had basically no credit at all. So in the course of eight months just paying my car note ( only missed one payment) how good is it that I've gone from basically 0-430 ? Should it be more possibliy?


Trappermans Resident Black Guy
The Black Redneck! 22yrs
MS National Guardsmen
I Like Moddin Traps 'N Trapping Possums
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Re: 0-430 in eight months [Re: Wolfdog91] #7208629
03/07/21 11:47 PM
03/07/21 11:47 PM
Joined: Sep 2013
Posts: 3,991
Nevada
N
nvwrangler Offline
trapper
nvwrangler  Offline
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N

Joined: Sep 2013
Posts: 3,991
Nevada
The missed payment is killing you.

Re: 0-430 in eight months [Re: Wolfdog91] #7208640
03/07/21 11:59 PM
03/07/21 11:59 PM
Joined: Nov 2007
Posts: 752
The great state of Utah
elkantlers Offline
trapper
elkantlers  Offline
trapper

Joined: Nov 2007
Posts: 752
The great state of Utah
Not good at all. Pay your bills and DO NOT miss a payment. If You are missing payments you have a vehicle that you can't afford. If That's the case, you need to sell the vehicle and get one that you can afford.

Also, You need to pay your credit card off every month. It is absolutely stupid to pay interest on a credit card. If you can't afford to pay your card off each month you are spending too much money and need to STOP. If you can't afford to pay the credit card off each month you certainly can't afford to pay Interest.

I have had a credit card for over 20 years and have never paid one cent in interest, Not one! If I can't pay for it I don't buy it, plain and simple.

Too many people live beyond their means and buy Crap they don't need.

Sorry to be blunt, but you are not in a good spot.


elkantlers
__________________________________________________
Re: 0-430 in eight months [Re: Wolfdog91] #7208653
03/08/21 12:10 AM
03/08/21 12:10 AM
Joined: Jan 2018
Posts: 2,955
MN
D
Donnersurvivor Offline
trapper
Donnersurvivor  Offline
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Joined: Jan 2018
Posts: 2,955
MN
Just had my credit ran when I bought my truck 791.

I've had a checking account since 18, credit card since 18, I pay my card off every month. That is the only things I have really done.

Don't miss anymore payments, that is hurting you. Go get a credit card with a lower monthly limit, research some cards, I believe there are a few with a couple hundred dollar limit just for this type of thing, use it and pay it off every month.

Re: 0-430 in eight months [Re: Wolfdog91] #7208667
03/08/21 12:22 AM
03/08/21 12:22 AM
Joined: Sep 2013
Posts: 12,495
Green County Wisconsin
G
GREENCOUNTYPETE Offline
trapper
GREENCOUNTYPETE  Offline
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G

Joined: Sep 2013
Posts: 12,495
Green County Wisconsin
go a year missing no payments and you will probably be 550-600

it's a little like school 0 is failing 300 is failing
450 is a D
550-600 is a C
650-700 is a B
700-750 is an A
when you get over 800 your into grade weighted classes with an A+ I think they call it AA

if you can get a payment ahead on your car and your house it is not a bad idea

I spent a long time in the 700s

then one day you end up over 800 when you have obscene amounts of credit and have most everything paid off , half your mortgage paid off , a decade with out any late payment.






Last edited by GREENCOUNTYPETE; 03/08/21 12:32 AM.

America only has one issue, we have a Responsibility crisis and everything else stems from it.
Re: 0-430 in eight months [Re: elkantlers] #7208687
03/08/21 12:44 AM
03/08/21 12:44 AM
Joined: Jul 2013
Posts: 7,949
Amite county Mississippi
Wolfdog91 Offline OP
trapper
Wolfdog91  Offline OP
trapper

Joined: Jul 2013
Posts: 7,949
Amite county Mississippi
Originally Posted by elkantlers
Not good at all. Pay your bills and DO NOT miss a payment. If You are missing payments you have a vehicle that you can't afford. If That's the case, you need to sell the vehicle and get one that you can afford.

Also, You need to pay your credit card off every month. It is absolutely stupid to pay interest on a credit card. If you can't afford to pay your card off each month you are spending too much money and need to STOP. If you can't afford to pay the credit card off each month you certainly can't afford to pay Interest.

I have had a credit card for over 20 years and have never paid one cent in interest, Not one! If I can't pay for it I don't buy it, plain and simple.

Too many people live beyond their means and buy Crap they don't need.

Sorry to be blunt, but you are not in a good spot.


No it's fine. Dint think missing one payment would hurt me so bad. Honestly it wasn't me not being able to afford it , that $250 is budgeted out the last pay check if each month. I handnt received my bill in the mail and when I asked everyone just old me some bull about holidays, thank God I called and they said it was their fault something about a glitch in the system, long story short I went digital. Was my fault should have been on it more but tryin to do better.

And I understand completely about the people trying to live beyond their means , one reason I'm really trying to tip toe into this whole credit thing.


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The Black Redneck! 22yrs
MS National Guardsmen
I Like Moddin Traps 'N Trapping Possums
Go Ordnance!!!!
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Re: 0-430 in eight months [Re: Donnersurvivor] #7208692
03/08/21 12:54 AM
03/08/21 12:54 AM
Joined: Jul 2013
Posts: 7,949
Amite county Mississippi
Wolfdog91 Offline OP
trapper
Wolfdog91  Offline OP
trapper

Joined: Jul 2013
Posts: 7,949
Amite county Mississippi
Originally Posted by Donnersurvivor
Just had my credit ran when I bought my truck 791.

I've had a checking account since 18, credit card since 18, I pay my card off every month. That is the only things I have really done.

Don't miss anymore payments, that is hurting you. Go get a credit card with a lower monthly limit, research some cards, I believe there are a few with a couple hundred dollar limit just for this type of thing, use it and pay it off every month.


Thinking had a checking since I was 15 lol but credit is just a taboo thing around here I guess. Ask any of my family about what I should get or advice it's just nope you dont need one don't get one .

Wanted to get the HF card because it's a 0% intrest as long as your balance is payed off in full each month . And the way it's set up they will break up your payments equally for 6-36 months depending on what you bought. 25.9% APR though which has me worried but I like how I only use it at HF. Least that way I won't become a idiot ( seems eveyone my age gets a credit card and end up using it in every place they walk into) and have a bill I couldn't pay up front in cash. I could care less about their reward points and all just like the idea of being able to build credit by paying for something over time I already ready had cash for . I am looking into other cards though I keep meain to stop and talk with my bank about getting one from them


Trappermans Resident Black Guy
The Black Redneck! 22yrs
MS National Guardsmen
I Like Moddin Traps 'N Trapping Possums
Go Ordnance!!!!
Tman Archivist
Re: 0-430 in eight months [Re: GREENCOUNTYPETE] #7208697
03/08/21 01:01 AM
03/08/21 01:01 AM
Joined: Jul 2013
Posts: 7,949
Amite county Mississippi
Wolfdog91 Offline OP
trapper
Wolfdog91  Offline OP
trapper

Joined: Jul 2013
Posts: 7,949
Amite county Mississippi
Originally Posted by GREENCOUNTYPETE
go a year missing no payments and you will probably be 550-600

it's a little like school 0 is failing 300 is failing
450 is a D
550-600 is a C
650-700 is a B
700-750 is an A
when you get over 800 your into grade weighted classes with an A+ I think they call it AA

if you can get a payment ahead on your car and your house it is not a bad idea

I spent a long time in the 700s

then one day you end up over 800 when you have obscene amounts of credit and have most everything paid off , half your mortgage paid off , a decade with out any late payment.







Well my house is paid for except for the property tax yearly so I don't have to worry about that but I am working on getting ahead on my car payment. At the very least I try to pay a extra $20 or so on each note. It's not much but from everything I've read it does help. Since it's $250 a moth I was planning on trying to budget so can double that every few months or so ( as in paying $500 instead of $250 every now and then)


Trappermans Resident Black Guy
The Black Redneck! 22yrs
MS National Guardsmen
I Like Moddin Traps 'N Trapping Possums
Go Ordnance!!!!
Tman Archivist
Re: 0-430 in eight months [Re: Wolfdog91] #7208724
03/08/21 02:24 AM
03/08/21 02:24 AM
Joined: Oct 2019
Posts: 2,873
Kentucky
KYtrapper2005 Offline
trapper
KYtrapper2005  Offline
trapper

Joined: Oct 2019
Posts: 2,873
Kentucky
Thought this was gonna be about Chevy trucks. The amount of time going to the mechanic

Last edited by KYtrapper2005; 03/08/21 02:24 AM.

Trapping is what built North America, why take that away?


pro second amendment-- pro God-- pro Trump-- Pro America!
Re: 0-430 in eight months [Re: Wolfdog91] #7208754
03/08/21 06:21 AM
03/08/21 06:21 AM
Joined: Dec 2006
Posts: 24,158
williamsburg ks
D
danny clifton Offline
"Grumpy Old Man"
danny clifton  Offline
"Grumpy Old Man"
D

Joined: Dec 2006
Posts: 24,158
williamsburg ks
You need to increase your income. Your income plays a big part in your score. That missed payment will haunt you for awhile. If you can earn more money your score will reflect it.


Those who would give up essential liberty, to purchase a little temporary safety, deserve neither liberty nor safety. Benjamin Franklin (1706-1790)
Re: 0-430 in eight months [Re: Wolfdog91] #7208765
03/08/21 06:50 AM
03/08/21 06:50 AM
Joined: Jul 2019
Posts: 649
WI
B
Badger23 Offline
trapper
Badger23  Offline
trapper
B

Joined: Jul 2019
Posts: 649
WI
Credit cards are fine if you keep it under control. I pay my cards off every month and have for years. Our credit score the last time we had it checked was over 800 on 3 different ones according to the loan lady at the bank. She said it'd been a long time since she saw that.
Wolf dog you seem to have a lot of common sense so I think you'd be fine getting a low limit one. I use mine all the time, it's convenient to pay it when the bill comes. The 2 I use primarily. have rewards attached to them so there's a benefit. (Cabela's and American Airlines). I also have a Kwik Trip card for convenience and discounts.
Don't miss any more payments and pay a little extra on that loan and you'll get there.

Re: 0-430 in eight months [Re: Wolfdog91] #7208769
03/08/21 06:56 AM
03/08/21 06:56 AM
Joined: Dec 2006
Posts: 9,719
Central Pennsylvania
Nittany Lion Offline
Don't call me Mister, Mister
Nittany Lion  Offline
Don't call me Mister, Mister

Joined: Dec 2006
Posts: 9,719
Central Pennsylvania
Did you ever make up the payment you missed?


I got myself a seniors' GPS.
Not only does it tell me how to get to my destination,
it tells me why I wanted to go there.
Re: 0-430 in eight months [Re: Wolfdog91] #7208780
03/08/21 07:31 AM
03/08/21 07:31 AM
Joined: Dec 2006
Posts: 17,106
Sandhills Nebraska
G
Gary Benson Offline
trapper
Gary Benson  Offline
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G

Joined: Dec 2006
Posts: 17,106
Sandhills Nebraska
Is there a place a person can find what his credit score? I figure the less credit I have the better. I hate owing anybody anything. Several years ago it was over 800.


I know I'm paranoid......but am I paranoid ENOUGH???
Re: 0-430 in eight months [Re: Wolfdog91] #7208790
03/08/21 07:40 AM
03/08/21 07:40 AM
Joined: Dec 2006
Posts: 1,222
Texas
W
Wesley Offline
trapper
Wesley  Offline
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Joined: Dec 2006
Posts: 1,222
Texas
I think your family has already given you the best advice. Why play games with the credit card companies to build your credit score so you can borrow more money? Screw that. Leave them alone.


Previously Bridger158, before the great "Time Out".

Re: 0-430 in eight months [Re: Wolfdog91] #7208794
03/08/21 07:48 AM
03/08/21 07:48 AM
Joined: Dec 2006
Posts: 24,158
williamsburg ks
D
danny clifton Offline
"Grumpy Old Man"
danny clifton  Offline
"Grumpy Old Man"
D

Joined: Dec 2006
Posts: 24,158
williamsburg ks
Credit cards can be a real handy tool or da debil. Its all up to you.


Those who would give up essential liberty, to purchase a little temporary safety, deserve neither liberty nor safety. Benjamin Franklin (1706-1790)
Re: 0-430 in eight months [Re: Wolfdog91] #7208807
03/08/21 08:10 AM
03/08/21 08:10 AM
Joined: Mar 2019
Posts: 1,391
Southern NJ
maintenanceguy Offline
trapper
maintenanceguy  Offline
trapper

Joined: Mar 2019
Posts: 1,391
Southern NJ
We haven't had debt in 25 years. Life really is better without owning anyone anything. We are planning to move in about a year. We will probably be looking for a mortgage. Not sure how that's handled when I have no credit score at all. Seems to me that we're managing our money better than most but it will probably hurt me. Hoping we can find a bank that will look at our whole financial picture without a credit score.


-Ryan
Re: 0-430 in eight months [Re: Wolfdog91] #7208812
03/08/21 08:20 AM
03/08/21 08:20 AM
Joined: Oct 2010
Posts: 66
N E Ohio
J
Jim T. Offline
trapper
Jim T.  Offline
trapper
J

Joined: Oct 2010
Posts: 66
N E Ohio
Wolfdog If you can pay the $250 days before it is due this will help your credit score & keep paying the $20 extra if you can. JIm

Re: 0-430 in eight months [Re: Wesley] #7208813
03/08/21 08:24 AM
03/08/21 08:24 AM
Joined: Nov 2012
Posts: 632
midland, michigan
M
midlander Offline
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Posts: 632
midland, michigan
Originally Posted by Wesley
I think your family has already given you the best advice. Why play games with the credit card companies to build your credit score so you can borrow more money? Screw that. Leave them alone.

X100 your family gave you the best advice on here....you dont need credit cards

Re: 0-430 in eight months [Re: Wolfdog91] #7208825
03/08/21 08:41 AM
03/08/21 08:41 AM
Joined: Mar 2012
Posts: 3,106
meadowview, Virginia
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EdP Offline
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meadowview, Virginia
Quote
X100 your family gave you the best advice on here....you dont need credit cards


I think there are some times that you do need a CC. For example, try to rent a car without one. You can't. Besides those few cases where you really do need one, a CC is a huge convenience that saves both time and money. My card pays me back a minimum 1.5% on every purchase. No points or airline miles, it automatically applies against my bill. That means I pay less for things than people that pay cash. At the gas station I am in and out faster because I use a card. That saves me time. Try to make on line purchases without a CC. If you can it will be with a significant delay as they wait for you check to arrive and clear. It all adds up over the years.

With the benefits established, it must be realized that some people are better off without CCs because they can't exercise the discipline to control their spending and pay off the card on time every month.

Re: 0-430 in eight months [Re: Gary Benson] #7208828
03/08/21 08:44 AM
03/08/21 08:44 AM
Joined: Nov 2013
Posts: 204
Nebraska
T
Trappercass Offline
trapper
Trappercass  Offline
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T

Joined: Nov 2013
Posts: 204
Nebraska
Gary-

I donít know if everyone does but capital one and Wells Fargo both send me monthly notifications that you can view your fico credit score

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