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My credit has been crap for 11 years and it hasn't stopped me from getting a job yet. Childrens medical bills, pertaining to Hearing Aids for both of my kids since insurance companies don't cover them or the testing or the ear molds. The hearing aids are about $5,000 a set. There is one advantage though, nobody would still my ID, lol.
How do you have established credit, without being a slave to "credit"? Secured credit cards? Co-signed credit cards? Loans? Pretty much every kid out of college has debt... hence "personal responsibility" written all over them. So, I guess you're correct.
Are you really this dense? Several of us have already explained how you build credit without a credit card. Go take a nap or something, you are losing it.
My credit has been crap for 11 years and it hasn't stopped me from getting a job yet. Childrens medical bills, pertaining to Hearing Aids for both of my kids since insurance companies don't cover them or the testing or the ear molds. The hearing aids are about $5,000 a set. There is one advantage though, nobody would still my ID, lol.
Actually, insurance does cover the testing, but not the other stuff. Does it make you mad that Medicaid will pay for hearing aids but your own private insurance won't? Your tax dollars help other people get hearing aids that you, yourself can barely afford.
Actually, insurance does cover the testing, but not the other stuff. Does it make you mad that Medicaid will pay for hearing aids but your own private insurance won't? Your tax dollars help other people get hearing aids that you, yourself can barely afford.
I have had three insurance companies in 11 years and only one paid for testing, yea it drives me crazy that other people get them for free absolutely crazy.
You can absolutely build a positive credit history by paying with cash. Write checks for your power bill, make your car payment, make your house payment and so on and so forth.
Umm.. making payments is not paying cash.
I don't use checks, I use online bill pay. I don't have car payments I paid cash. I don't have house payments I paid cash. What so on and so forth? I will not pay a user fee or intrest on anything. I will not pay for credit cards that charge me for not using them or highway robbery intrest rates.
Many companies in the U.S. today (and seemingly only in the U.S.) use credit reports as part of their background checks. Many hiring executives think they will get better employees by screening them for their credit, yet this is inaccurate for some people - for example, one who had an unforeseen medical problem and incurred tens of thousands of dollars in hospital debt, or a person whose now-resolved drug addiction caused them to never pay their bills.
Should companies be permitted to use these in screening applicants?
Only if they will be handling money. Like an accountant.
Are you really this dense? Several of us have already explained how you build credit without a credit card. Go take a nap or something, you are losing it.
Well, your flimsy arguments are the problem. Why don't you go ahead and explain? Need help? This...
Quote:
Originally Posted by JollyOgre
Umm.. making payments is not paying cash.
I don't use checks, I use online bill pay. I don't have car payments I paid cash. I don't have house payments I paid cash. What so on and so forth? I will not pay a user fee or intrest on anything. I will not pay for credit cards that charge me for not using them or highway robbery intrest rates.
Still refusing to provide proof of my flip-flopping. Sad. It's difficult to engage with people who make claims and refuse to back them up with proof.
Card or Cash? Pick one. I will elaborate further soon after. Besides, this American stupidity of relying on credit a bit too much, (which people in many other countries are also following, BTW), ain't a healthy system to rely on to judge excellence of candidates. In fact, it is downright unhealthy.
But I guess, this country was built on an issue of "credit problems". We're due for rebuilding.
Card or Cash? Pick one. I will elaborate further soon after. Besides, this American stupidity of relying on credit a bit too much, (which people in many other countries are also following, BTW), ain't a healthy system to rely on to judge excellence of candidates. In fact, it is downright unhealthy.
But I guess, this country was built on an issue of "credit problems". We're due for rebuilding.
Why wait? Elaborate now. Using credit to your advantage is not stupid. My credit card pays me. Who is stupid now?
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