Random Thoughts - Part Deux [NO POLITICS]

[Tcoat]

Originally Posted by jsimon7777

And mice.

Damnit I totally missed it! I am slipping in my dodderage.

[Dadhawk]

Originally Posted by Celica00

I always thought that paying off loans in full helped your score, but also how much you've paid off in total, or how many loans you've paid off. For example, a person paying off a $30000 loan would have a better score than someone who paid a $1000 loan. Is this incorrect?

You will, for a while. If you pay off all your loans, and close your credit cards your score will go to zero (well technically "undeterminable") over time. Last figures I saw is it takes about a year for that to happen.

Also, paying off your debt can cause you score to drop just from paying it off. I saw this when we paid off our house. Here's an article that explains.

Basically your FICO score is determined from these factors, some impacting it for good, some for bad:

•35% of your score is based on your debt history.
•30% is based on your debt level.
•15% is based on the length of time you’ve been in debt.
•10% is based on new debt.
•10% is based on type of debt.

Here's an article that explains it pretty well.

Now, personally I would be fine being "undeterminable" as I no longer borrow money (haven't for years) but have not let mine drop just because it is pretty easy to maintain it after we paid off our house as I mentioned in my earlier post.

I should add I am not a financial advisor, just a random dude on the Internet explaining how it has worked for me. It may not work for you.

Now I have to stop talking about this before @Tcoat has to pull out MooseGirl on me!

[Tcoat]

Originally Posted by Dadhawk

You will, for a while. If you pay off all your loans, and close your credit cards your score will go to zero (well technically "undeterminable") over time. Last figures I saw is it takes about a year for that to happen.

Also, paying off your debt can cause you score to drop just from paying it off. I saw this when we paid off our house. Here's an article that explains.

Basically your FICO score is determined from these factors, some impacting it for good, some for bad:

•35% of your score is based on your debt history.
•30% is based on your debt level.
•15% is based on the length of time you’ve been in debt.
•10% is based on new debt.
•10% is based on type of debt.

Here's an article that explains it pretty well.

Now, personally I would be fine being "undeterminable" as I no longer borrow money (haven't for years) but have not let mine drop just because it is pretty easy to maintain it after we paid off our house as I mentioned in my earlier post.

I should add I am not a financial advisor, just a random dude on the Internet explaining how it has worked for me. It may not work for you.

Now I have to stop talking about this before @Tcoat has to pull out MooseGirl on me!

[go_a_way1]

Originally Posted by Tcoat

What about the FRS?

No one loves us anymore.

On a side note anyone selling BRZ badges

[Guff]

Originally Posted by HunterGreene

And we have our first post deletions of RT II! Time to start up RT the Third?

lol I've deleted a lot of stuff in here. I usually go full ninja though.

[ichitaka05]

Originally Posted by go_a_way1

No one loves us anymore.

On a side note anyone selling BRZ badges

I did... if you wanted it, I would of shipped it to you... but now it's somewhere in waste land.

[go_a_way1]

Originally Posted by ichitaka05

I did... if you wanted it, I would of shipped it to you... but now it's somewhere in waste land.

I kinda want to have the first lava badges as a subbie lol! I have Toyota for now so I will live with that

[Tcoat]

Originally Posted by go_a_way1

I kinda want to have the first lava badges as a subbie lol! I have Toyota for now so I will live with that

Oh it has probably already been done someplace.

[ichitaka05]

Originally Posted by Tcoat

Oh it has probably already been done someplace.

Internet rule was it?
"You thought about it, there's already a porn about it." ...or something like that?

I'll change it to Forum rule:
"You thought about it, someone already done it."

Lol

On the side note, I usually go to fb to check 86/BRZ stuff my friends in Japan post... well yesterday & today, it's impossible w all the rants, so I'll avoid fb for few days

[Tcoat]

Originally Posted by ichitaka05

Internet rule was it?
"You thought about it, there's already a porn about it." ...or something like that?

I'll change it to Forum rule:
"You thought about it, someone already done it."

Lol

On the side note, I usually go to fb to check 86/BRZ stuff my friends in Japan post... well yesterday & today, it's impossible w all the rants, so I'll avoid fb for few days

[go_a_way1]

Why are all the aftermarket bumpers so ugly except for the Tommy Kaira-Rowen one, but its like $2500 shipped to my house

[ichitaka05]

Originally Posted by go_a_way1

Why are all the aftermarket bumpers so ugly except for the Tommy Kaira-Rowen one, but its like $2500 shipped to my house

front or rear?

[MrFisty]

Originally Posted by Tcoat

My office mate just now:

Dude, are you looking at brazzers?

[86Boyz]

I drove behind a dark blue Lamborghini Aventador.