did i say paying your bills would factor? hahaha try reading again.

secondly, why are you in america?

thirdly, you are an pompous idiot that thinks he knows everything.

lastly, what country has a better economy than the US, and what country doesn't run on consumer debt? probably a lot because most countries doesn't have shit in them or money there.

you can say what you want, but spouting intimate details of a financial institution's members while you do not work there anymore is extremely poor form, and in some cases you can be sued for it.

[Edited on June 7, 2007 at 2:50 PM. Reason : s]

6/7/2007 2:49:23 PM

you said paying bills on time helps your credit rating. It simply does not.

I am American, and realize that most Americans are morons (especially when it comes to money).

^don't be silly, he's not targetting anyone specific with his 'info'. Yep, lawsuit material for sure...


I get a sense from your posts that you're one of those blind patriotism, theytukurjobs kind of redneck. Am I right?

6/7/2007 2:54:58 PM

hahaha very funny words there. i almost spit soda on the screen at your ignorance. anyway, while paying bills in not a factor in your credit history, you paying them keeps your credit from going bad because you will not be reported for being delinquent. if you don't understand this concept i just don't know what to say. obviously, when some pulls you credit report and it shows you have not been reported for being delinquent for bills, it says something, but just not in a formal way. thats why some loan officers are better than others because they use good judgment based on subtle things like this.

6/7/2007 2:59:23 PM

so... basically.... paying bills on time.... does not.... help you establish credit....


ok, just making sure.

[Edited on June 7, 2007 at 3:01 PM. Reason : could've sworn that's what i said]

6/7/2007 3:00:38 PM

right. i never said it did.

6/7/2007 3:01:10 PM

Quote :

"WOW ... it keeps it from going bad and you just said that. THATS why it helps you credit idiot."

6/7/2007 3:02:37 PM

i said it keeps it from going bad.

hahaha

you are stupid

lete me break this down for a 5th grader.

- pay your bills, and you credit score will stay at the maximum as possible that your credit history will allow because you have not been reported as delinquent
- do not pay your bills and it lowers it because you will be reported as delinquent.

do i need to explain this simple concept to you in person?

[Edited on June 7, 2007 at 3:06 PM. Reason : szdf]

6/7/2007 3:06:32 PM

get a hotel room, you two

6/7/2007 3:11:17 PM

my original statement:

Quote :

"Also, paying your cell phone bill + energy bills doesn't count towards your credit profile (I hear this ALL the time from people). NOT paying them will affect your credit rating, however.."

is still and always has been true.


You see how we went in circles there b/c you are a moron?

Please do come meet me in person, I'd love to see if you are as big of a redneck as I imagine you to be.

[Edited on June 7, 2007 at 3:13 PM. Reason : d]

6/7/2007 3:12:41 PM

Quote :

"hat country has a better economy than the US"

Luxembourg

6/7/2007 3:12:53 PM

This thread sucks.

6/7/2007 3:15:41 PM

Quote :

"lastly, what country has a better economy than the US, and what country doesn't run on consumer debt? probably a lot because most countries doesn't have shit in them or money there."

this is one of the funnies things I've read in a while, on a lot of different levels.

Sorry, had to:

AMERICA, FUCK YEAH!!!!!

[Edited on June 7, 2007 at 3:17 PM. Reason : d]

6/7/2007 3:16:27 PM

yeah it may be like a hand full of countries with a better economy than america, lolz

yeah i am a fan of america, why shouldn't i?

we went in circles because you are stupid and want to be always right.

what does being a redneck have to do with any of this? i love racism and stereotyping.

6/7/2007 3:45:03 PM

roll up out of this thread seedless

you senseless troll

6/7/2007 3:54:22 PM

not hurting != helping

6/7/2007 6:36:30 PM

I saw SIDNEY LOWE at the one near mission valley recently so yet another pro for SECU

6/7/2007 10:41:03 PM

Children don't make me turn this internet around. You both are arguing the same point from different angles.

Fanatik is saying that paying your bills does not affect your credit.

Seedless is saying NOT paying your bills affects your credit.

It's the SAME FUCKING ARGUEMENT. They are both valid statements.

Now while bills do not directly affect your credit significantly positively by paying them on time, they do help when getting loans for cars and houses. Just go and ask any loan officer (not tdub) in a bank.

6/8/2007 7:06:13 AM

Quote :

"not hurting != helping"

6/8/2007 8:58:37 AM

^^ exactly what i said. i know we were pretty much saying the same thing, but paying does help, just not in a formal way.

6/8/2007 11:05:31 AM

OmarBadu, the lounge misses you

6/8/2007 11:56:07 AM

^^also, exactly what I was saying before you went on your little tirade.

and

Quote :

"but paying does help"

sorry, but still [no]

[Edited on June 8, 2007 at 12:54 PM. Reason : d]

6/8/2007 12:53:41 PM

dude you are so fucking stupid it is pathetic. i am not saying it helps your score, it helps by not making your credit history bad to worsen your score - IN ANY CASE. boy, you are a classic case of an educated person with little or no common sense.

6/8/2007 1:05:42 PM

6/8/2007 1:31:04 PM

HAMMER TIME!

6/8/2007 1:32:57 PM

^nicely done.

SECU is awsome.

that is all.

6/9/2007 12:59:34 AM

Quote :

"SECU only reports to Equifax."

I just checked my Equifax score and my SECU card wasn't on there.

6/27/2007 10:17:41 AM

Your secu credit card?

6/27/2007 10:21:49 AM

with the amount of intelligence thrown around here he probably means his debit/atm card that has the visa logo on it

6/27/2007 10:24:00 AM

my old SECU card def shows up on Equifax.

You might've been looking at Experian, or looking for a debit card.

6/27/2007 11:27:41 AM