NationStates Jolt Archive

I just found out that I have good credit. What now? Can I like go get my utility bills reduced somehow? Can I use it to reduce the cost of my cellphone plan? Anything? I guess I could get a loan but I don't really want to do that. Is there any other way I can benefit from having a good credit score?

Buy a house. Get a mortgage. Your interest rate will be lower. The same goes for credit cards, other lines of credit.

You might be able to get a reduction on your car insurance of like 3%.

Buy a house. Get a mortgage. Your interest rate will be lower. The same goes for credit cards, other lines of credit.

I cant refinance or take out an additional loan because I have borrowed as much as they will lend me because my real estate went down in value after I bought it.

You mean you can't re-fi with the same bank. Check with other banks.

You might be able to get a reduction on your car insurance of like 3%.

I will look into this. Thanks!

It gives you certain benefits. You get the right to be hung with a silk rope if you commit a capital crime, you get the ability (with sufficient training) to hack into the Matrix, and for some unknown reason it makes your farts smell minty fresh.

You mean you can't re-fi with the same bank. Check with other banks.

I did. Actually, that is how I found out that I have a good credit score. I think I have a good credit score. Each of the 3 credit bureaus has a different score but they ranged from 744 to something in the 760s. I wonder if that is a good enough credit score to get any kind of a discount. I am not a credit expert but I remember hearing that 720 and over is good.

It gives you certain benefits. You get the right to be hung with a silk rope if you commit a capital crime, you get the ability (with sufficient training) to hack into the Matrix, and for some unknown reason it makes your farts smell minty fresh.

I like silk. Doesn't get much silkier than silk. Plus it is cool to think that caterpillars made it.

I did. Actually, that is how I found out that I have a good credit score. I think I have a good credit score. Each of the 3 credit bureaus has a different score but they ranged from 744 to something in the 760s. I wonder if that is a good enough credit score to get any kind of a discount. I am not a credit expert but I remember hearing that 720 and over is good.

Well, I could make you some money for it. Just send me your name, address, birthday, and social security number, and I'll turn it into money.

Well, I could make you some money for it. Just send me your name, address, birthday, and social security number, and I'll turn it into money.

I only give that sort of information to Nigerians contacting me through my email.

I did. Actually, that is how I found out that I have a good credit score. I think I have a good credit score. Each of the 3 credit bureaus has a different score but they ranged from 744 to something in the 760s. I wonder if that is a good enough credit score to get any kind of a discount. I am not a credit expert but I remember hearing that 720 and over is good.
keep an eye on the mortgage bailout plan. you may qualify for one of the refinancing plans.

keep an eye on the mortgage bailout plan. you may qualify for one of the refinancing plans.

Isnt there talk of under 5% refinancing? I am not sure how to keep my eye on it but it would be cool. Do you think that a credit score will be a component of qualifying for one?

I only give that sort of information to Nigerians contacting me through my email.

Damn!

Isnt there talk of under 5% refinancing? I am not sure how to keep my eye on it but it would be cool. Do you think that a credit score will be a component of qualifying for one?
yes i do. deadbeats will be turned away.

i dont remember what the details are but one part is for people who are current but upside down and one is for those who are facing default (i think). i dont even remember if its been passed or not (i dont have a mortgage).

check the whitehouse webpage. if you qualify you may have to bring it to the attention of your lender or find a lender who is participating in the program.

yes i do. deadbeats will be turned away.

i dont remember what the details are but one part is for people who are current but upside down and one is for those who are facing default (i think). i dont even remember if its been passed or not (i dont have a mortgage).

check the whitehouse webpage. if you qualify you may have to bring it to the attention of your lender or find a lender who is participating in the program.

Thanks.

I guess us deadbeats won't be turned away. This is a bit of a joke-pun, because I am one of the folks that the credit card industry folks refer to as deadbeats because I pay my credit card balance in full every month. I read that on bankrate.com for those of you who always want people to cite sources.