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Old 03-12-2010, 09:19 AM
 
Location: Say-Town! Texas
968 posts, read 2,227,557 times
Reputation: 566

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its starting to look like credit scores are getting more and more irrelevant.

i lost nearly 50 points for closing a few credit cards, but i still got a car on a "lower" (read: 10% instead of 4%) interest rate just fine. i can live without credit cards, hell, it alleviates the worry of having to pay them back, and i've actually got somewhat of a coherent savings now! (albeit that savings is gone next semester)

for online purchases, a debit card works. however when i switched from credit to debit purchases i overdrafted my account a good 6 times in a row. this whole living within my means thing is not easy, but its worth it.
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Old 03-12-2010, 09:22 AM
 
Location: southern california
56,597 posts, read 75,685,313 times
Reputation: 49474
good job OP
dave ramsey for president.
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