"I just moved here from Florida."

That sentence contains at least five follow-up questions she WANTS you to ask. Where in Florida? What brought you here? How long have you been in the area? What do you miss? How does it compare to here?

She handed them to you on a silver platter. And you said, "Oh cool. I come here every week. I love this band. Ummm... pretty crowded tonight."

She smiled politely. Nodded. And never texted you back.

I was that guy for years. Talking too much. Listening too little. Panicking about my next sentence while she was literally feeding me the answers.

Then I found 22 rules that fixed the whole thing. Rule number one: shut up and listen. She'll tell you exactly what to say.

Read more...

Question concerning credit

Cappy da pimp

Don Juan
Joined
Mar 19, 2005
Messages
29
Reaction score
0
Age
41
Location
ALBANY
I have two checking accounts from two different banks open currently. One is solely for school and I just use the debit card for the ATM and the occasional purchase. The other is from back home with a savings account attached as well. If I can cancel both accounts I have now and open a new account at a different bank would that affect my credit score or credit in anyway? Thanks for the help guys.
 

"Why Women Dump the Guys Who Try the Hardest"

You paid for dinner. You drove. You said "whatever you want is fine" every single time. All the effort, no expectations.

And she left anyway — probably for a guy who makes her pick up the pizza.

Painful. Also predictable. Her mind quietly concludes that anything requiring zero effort from her is worth exactly zero. You became a free sample, and free samples get taken for granted.

The 22 Rules flip the dynamic. Small shifts that get her investing effort, money, and time in you — until SHE'S the one afraid of losing YOU.

Read more...

Bible_Belt

Master Don Juan
Joined
Jul 27, 2005
Messages
17,576
Reaction score
6,359
Age
50
Location
midwestern cow field 40
No.

The exact formulas used by each of the three reporting agencies are trade secrets, but people who work with credit a lot tend to develop good guesses about what makes a score go up and down. Changing accounts in the manner you stated should not affect your score. Savings and checking accounts are not even on your credit report. You can list them as assets in a credit application, and I know mortgage underwriters will insist that you at least have a checking account, but moving accounts around should not affect your credit.
 

Giovanni Casanova

Master Don Juan
Joined
Jan 5, 2002
Messages
5,550
Reaction score
18
Age
47
Location
Hiding in Penkitten's Linen Closet
Nope... credit agencies don't care about your checking account until you start bouncing checks everywhere.
 

penkitten

Master Don Juan
Joined
Nov 14, 2001
Messages
8,256
Reaction score
236
Age
49
Location
at our house
my capital one credit card offers to give me a credit report every once in a while that lists all my scores on it so i can see if its good bad or average.
it really helps because every now and then you have something billed to you after you have moved and you never know about it until you have your credit checked. when my credit card company gives me my report, i can see if anything appears that i owe something.
 

"Stop Asking Your Friends What to Text Her"

Your buddy Dave has been single for three years and thinks "hey u up" is a valid strategy. Your other buddy Mike just got dumped and told you to "just be yourself."

You showed them her text. You asked them to decode the emoji. You drafted four responses and sent the screenshot to the group chat for a vote.

She's been waiting forty minutes.

Put the phone down. Stop crowdsourcing your love life. Type something that sounds like you. Hit send. Then go do literally anything else with your evening.

Read more...

Giovanni Casanova

Master Don Juan
Joined
Jan 5, 2002
Messages
5,550
Reaction score
18
Age
47
Location
Hiding in Penkitten's Linen Closet
Originally posted by Bible_Belt
Capital One protects against Viking invasions as well.
That alone is well worth paying 30% interest annually, isn't it?
 

STR8UP

Master Don Juan
Joined
Aug 10, 2002
Messages
6,911
Reaction score
125
http://www.myfico.com

Anyone who wants to get a good insight as to how certain things effect your credit score should sign up for credit watch at myfico. It's like $8 per month and it will alert you to changes on your report when they impact your score. That will allow you to see in real time how different things effect your score. HIGHLY RECOMMENDED.

Example- since I have this service, I watched my credit score tank from 740 down to 680 because I had a bunch of business debt on my personal credit cards. I am currently working on getting financed on a $540,000 piece of property. Since I knew my score was impacted so negatively by the high revolving debt, it gave me the opportunity to shuffle the credit card balances temporarily out of my name and it brought my score back up to around 750.

This equates to a savings of about $300 per month because with a higher credit score your mortgage rate goes down.

Also read "From Credit Repair to Credit Millionaire" by Donna Fox. GREAT info on building and repairing credit.
 

sapphire

Senior Don Juan
Joined
Aug 8, 2004
Messages
380
Reaction score
0
Originally posted by STR8UP
http://www.myfico.com

Anyone who wants to get a good insight as to how certain things effect your credit score should sign up for credit watch at myfico. It's like $8 per month and it will alert you to changes on your report when they impact your score. That will allow you to see in real time how different things effect your score. HIGHLY RECOMMENDED.

Example- since I have this service, I watched my credit score tank from 740 down to 680 because I had a bunch of business debt on my personal credit cards. I am currently working on getting financed on a $540,000 piece of property. Since I knew my score was impacted so negatively by the high revolving debt, it gave me the opportunity to shuffle the credit card balances temporarily out of my name and it brought my score back up to around 750.

This equates to a savings of about $300 per month because with a higher credit score your mortgage rate goes down.

Also read "From Credit Repair to Credit Millionaire" by Donna Fox. GREAT info on building and repairing credit.
Yes, having a credIt monotoring service is a must, especially if you are a real estate investor and are constantly looking to finance real estate deals.

I am currently subscribed to experian credit watch which is really good.
 
Top