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[fly]

I guess my point is this: If your credit sucks and you've relied on bankruptcy multiple times then you are doing something wrong. Find out what that thing is and stop doing it.

I *was* doing it wrong. I filed for bankruptcy and learned from it. I have something like $30k in revolving credit available to me now, and my outstanding debt to credit cards is something like $300.

And it seemed that your original point was that bad credit destroys your life and that's just totally incorrect.

 

[Sarcasmo]

I *was* doing it wrong. I filed for bankruptcy and learned from it. I have something like $30k in revolving credit available to me now, and my outstanding debt to credit cards is something like $300.

And it seemed that your original point was that bad credit destroys your life and that's just totally incorrect.

I never said bad credit will destroy your life. It simply has the potential to inconvenience the living sh*t out of it. Especially in this country. Loans, employment, credit cards, it all involves credit, more and more every day. Destroying your credit score for a decade is not something you should do willy nilly as a quick financial strategy. If you can avoid it, do so. If you WANT to do it, though, there's nothing I can say to stop you.

In fact, I'd kind of have to say go for it so in ten years we will all have a good example of what did or didn't suck about it. Keep a log, and be completely honest about everything. Be our living history. It could be really interesting.

 

[APRIL]

Have you provided for yourself though? Did you buy your own car? With cash?

Yes I had mommy and daddy pay my rent and buy me a car. :wackit:

 

[Coqui]

And it seemed that your original point was that bad credit destroys your life and that's just totally incorrect.

The original point was that credit history is needed. We weren't really discussing bad credit vs good credit.

 

[Sarcasmo]

Yes I had mommy and daddy pay my rent and buy me a car. :wackit:

Yeah I figured.

 

[APRIL]

...but seriously, I did provide for myself. So poo on you.

 

[JAXvillain]

yes, I'm sure working at hooters was quite lucrative for you

 

[APRIL]

I made pretty good money there. Without breasts and with my bubbly personality.

 

[APRIL]

So poo on you too.

 

[Coqui]

I made pretty good money there. Without breasts and with my bubbly personality.

Try not to suck any more dicks on the way to the parking lot.

 

[fly]

The original point was that credit history is needed. We weren't really discussing bad credit vs good credit.

...and it isn't needed. It's like heated/cooled seats in your car, nice to have - but not a requirement.

 

[APRIL]

Try not to suck any more dicks on the way to the parking lot.

 

[Sarcasmo]

All silliness aside, I know what Fly is saying. I live on a debit card, period. The once every three years that I need want my credit card (for things like furniture or large car repair bills) doesn't impact me much at all. 99% of the time if I don't have the cash I don't buy the item.

 

[APRIL]

90% of Americans need to learn from you, Sarcasmo.

 

[plot]

In some respects, it IS a good idea to go with whatever the talking heads are saying is bad.

who said real estate is a bad investment right now? if someones spouting that, they're somewhat completely retarded.

 

[fly]

who said real estate is a bad investment right now? if someones spouting that, they're somewhat completely retarded.

Not so much now, as its on an upswing. Talking heads are always behind the bell curve.

 

[ZRH]

Not so much now, as its on an upswing. Talking heads are always behind the bell curve.

How do you get behind a random distribution?

 

[Sarcasmo]

 

[fly]

How do you get behind a random distribution?

I just check my mailbox at least once a day.

 

[JAXvillain]

RE is not on the upswing here yet...at least the prices are not reflecting it...there might be a slight uptick in units sold, maybe, but I wouldn't call it an upswing