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kemperkYOU have already awsenred the question. To affect yourcredit score, do things with your credit. Regardless what you buy, whatever you owe in your statements each month,make the minimum payment ON TIME. NEVER let onepayment slip.DO NOT buy what you do not need. DO not buy what you cannot afford.DO not use more than 2 credit cards.And 2 other things I learned the HARD WAY;and the credit bureaus do not like me saying this;a; regardless what your score is today, for whatever reason,in 7 years, if you make every payment perfect fromtomorrow on, your score will rise to 850 or as high asit can go AUTOMATICALLY.if YOU MISS one payment deadline, the consequences arehorrible and your score can drop 100 points!if you have no bankruptcy, your score will rise to its maximum in 5 years.What you are doing is ideal. BUT remember, the lenderswho will lend to you in the future also want to see how youinvest your cash. YOU should buy some real estate andinvest in things that earn you safely, 15-50% annually.The banks have an income -expenses ratio they use butthat is NOT related to your credit score.Thanks for asking
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(VISITOR) AUTHOR'S NAME
Lucia
MESSAGE TIMESTAMP
16 december 2014, 13:38:44
AUTHOR'S IP LOGGED
92.72.48.43
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