Random Thoughts - Part Deux [NO POLITICS] - Page 1563 - Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community

Dadhawk · 11-09-2016, 10:12 AM

Quote:

Originally Posted by jsimon7777

Paying interest doesn't build your score. Paying off loans and having open lines of credit builds your score. Having low debt vs credit available raises your score. Go get several credit cards with zero fees. Barely use them. Watch your score rise. The only balances I've ever carried are on cars and houses, and not long on the former. Paying interest is a sucker's game.

The key is "barely" using them. If you don't use them at all, they don't count. All you have to do is charge some small amount (it can be a dollar) about every six months, then immediately pay it off.

My score is over 800, but I have no consumer debt of any type, including no mortgage (paid off house). I do have about $40,000 in credit available to me but charge less than $50 a year to it and immediately pay it off.

LOLS2K · 11-09-2016, 10:20 AM

Twins rock!

Dadhawk · 11-09-2016, 10:31 AM

@Tcoat, @HunterGreene and @Ultramaroon sorry to disappoint Gents but after checking the election results this morning it appears my 4 votes as Circuit Court Judge were not enough to get me elected...or even show up in the results for that matter.

Maybe next time!

Guff · 11-09-2016, 10:35 AM

NO POLITICS

Unless a Toyota 86 becomes the President of Zambia, take that shite elsewhere.

EAGLE5 · 11-09-2016, 10:36 AM

Quote:

Originally Posted by Dadhawk

The key is "barely" using them. If you don't use them at all, they don't count. All you have to do is charge some small amount (it can be a dollar) about every six months, then immediately pay it off.

My score is over 800, but I have no consumer debt of any type, including no mortgage (paid off house). I do have about $40,000 in credit available to me but charge less than $50 a year to it and immediately pay it off.

I don't think using the credit matters, other than preventing cc companies closing accounts.

Dadhawk · 11-09-2016, 10:41 AM

Quote:

Originally Posted by jsimon7777

I don't think using the credit matters, other than preventing cc companies closing accounts.

It does. In fact, mine fluctuates by about 50 points between usages and it spikes up relatively soon after I use it. It doesn't get reported as available if not used, so looks like a reduction in your available credit.

Pretty easy to find that it makes a difference with a search, but here is one explanation from Bank of America (3 and 4).

MrFisty · 11-09-2016, 10:41 AM

I came here to mock a post, but it seems that post got deleted.

Anywho...Might be switching to e85 today. Little nervous!

Tcoat · 11-09-2016, 10:42 AM

Quote:

Originally Posted by Guff

NO POLITICS

Unless a Toyota 86 becomes the President of Zambia, take that shite elsewhere.

Damn. I was enjoying all the walk away gifs! Even had 3 more lined up. Now they are gone. I guess I can use them again later anyway.

Teseo · 11-09-2016, 10:49 AM

Quote:

Originally Posted by MrFisty

Anywho...Might be switching to e85 today. Little nervous!

First time? When you feel the power, pls dont tight your butt and feel the power

krayzie · 11-09-2016, 10:49 AM

Wouldn't a Toyota Land Cruiser have a greater chance to run in Zambia?

86Boyz · 11-09-2016, 10:49 AM

Why do people get so offended by politics and religion? It's just a bunch of senseless, cult-like, brainwashing bullshit anyway. The human race is royally beyond fucked and I don't want to live on this planet anymore.

Tcoat · 11-09-2016, 10:57 AM

Quote:

Originally Posted by 86Boyz

Why do people get so offended by politics and religion? It's just a bunch of senseless, cult-like, brainwashing bullshit anyway. The human race is royally beyond fucked and I don't want to live on this planet anymore.

It is no different now than all of recorded history and the human race has survived. Every generation EVER has thought that the rest had it good and they were the ones getting fucked. Not true.

HunterGreene · 11-09-2016, 10:57 AM

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

krayzie · 11-09-2016, 11:00 AM

Random Thoughts 33⅓ - My Lawnmower

11-09-2016, 10:20 AM	#21870
LOLS2K /scion Join Date: Sep 2015 Drives: '13 86 M/T Location: PHX-LAX Posts: 1,490 Thanks: 1,031 Thanked 1,402 Times in 786 Posts Mentioned: 26 Post(s) Tagged: 4 Thread(s)	Twins rock! __________________ "Practice makes better. Only Senna is perfect." - CSG Mike

11-09-2016, 10:31 AM	#21871
Dadhawk 1st86 Driver! Join Date: Feb 2012 Drives: '13 FR-S (#3 of 1st 86) Location: Powder Springs, GA Posts: 19,811 Thanks: 38,817 Thanked 24,936 Times in 11,375 Posts Mentioned: 182 Post(s) Tagged: 4 Thread(s)	@Tcoat, @HunterGreene and @Ultramaroon sorry to disappoint Gents but after checking the election results this morning it appears my 4 votes as Circuit Court Judge were not enough to get me elected...or even show up in the results for that matter. Maybe next time! __________________ Visit my Owner's Journal where I wax philosophic on all things FR-S Post your 86 or see others in front of a(n) (in)famous landmark. What fits in your 86? Show us the "Junk In Your Trunk".

11-09-2016, 10:41 AM	#21875
MrFisty The Fistiest Join Date: Jan 2016 Drives: 2013 Argento FR-S Location: Pittsburgh Posts: 915 Thanks: 2,953 Thanked 750 Times in 458 Posts Mentioned: 17 Post(s) Tagged: 6 Thread(s)	I came here to mock a post, but it seems that post got deleted. Anywho...Might be switching to e85 today. Little nervous! __________________ They said my last sig was too big.

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11-09-2016, 10:49 AM	#21878
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11-09-2016, 11:00 AM	#21882
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