The thing that the cash is king people dont understand is even if you go to buy a car in cash, and not some 10k car, they want extensive information on who you are what you do etc and dont expect to just buy a home outright either. very very hard to do.
when you dont have access to cash, a credit card can save you.
the only time you should call the 3 agencies is if your name is john doe, but they have jason smith's info on your report. happened to my best friend since his name is so common.
guess what else? if you dont have good credit, dont expect to get decent jobs. same for car insurance.
that my credit score is "0" line is a lie. if you apply for something and get approved, then you have a credit history. immediately after my sister got her first credit card (after having none) i checked her score and it was 615.
it pains me how so many black people dont care about credit then they say i make X amount of dollars but i wasnt approved.
having good credit shows that you are fiscally responsible and that you dont overextend your self. that says a lot about your character.
dont cosign for anything. my sister asked me to cosign and i lied knowing id get approved.
cosign just means you got yourself a new bill.
I checked my scores last night after paying off my car and
yup
