Steve, the available credit on revolving accounts should be kept to a low percentage of your yearly income reported on your credit report. You can change this ratio by requesting that the credit card companies lower your limits to a comfortable range. Make sure that the reduction is reported by the credit card company as requested by consumer not as an action taken by credit card company due to slow pay.

Yes, I thought about it but I think I'm past the point of wanting to buy another house or any big ticket item other than a new car.

Time on your job has nothing to do with your FICO score.

There is tons of free info on how your score is calculated. The major factors are age of accounts, payments on time and staying well below your limit.

Re: financing
 

Not true in some occasions, i have a lease to purchase program with my local bank(BB&T) where at the end of my lease, which is suppose to end 4 years from now ill pay 100 dollars to break the lease and keep the truck for myself, but with little luck ill be able to to call it quits around August of 07.. :D around 25.000 in interst savings.

not a house of cards loser
 

its 100k in my stock account where i make 15-30%

the reason i push hard is i am stuck out for 3 weeks at a time so i make it worthwhile

plus it enables me not to pull money from my brokerage account

as for you not liking the way i post

too bad so sad

your problem

not mine

if i stop working the loans can all be paid off

if i cant make the montly payments

and if you ask chase manhatten bank

and bank of america

they use to offer life of the loan balance transfers

all mine are life of the loan

you guys are wrong again as usual

bank of america still offers a variable life of the loan transfer that sits at 8.75

thats below the 10 points that brokers charge for margin money

ref stocks on borrowed money
 

you guys may want to google my screename

you will see that have given free stock advice and credit card advice

for almost 10 years

i retired at age 39

but got remarried at 41

and have 2 new baby girls

as an investor alone , the cost of health insurance premiums and deductables is 10k a year

by driving truck

it costs me 3k for premiums and 1k total deductable

this is a no brainer

ref stocks i only play dow 30 like cat and ibm

here is the proof where i posted my picks and my predictions for public view

http://news.messages.yahoo.com/bbs?a...456&mid=145128

http://news.messages.yahoo.com/bbs?a...456&mid=145539

http://news.messages.yahoo.com/bbs?a...456&mid=147846

Re: ref stocks on borrowed money
 

And still


can't type



a complete





sentence




if your life




depended on




it. :roll:

not cant just dont care to
 

i dont give a crud about your ivory tower

sentence structure bull

that you hold so near and dear

you probably are still a bush supporter too

i type as i choose

if you dont like it

dont read it

Re: not cant just dont care to
 

People who

can't type a

sentence and like

to brag about

how great their business

skills are and tell others

to look up their "accomplishments"

on the internet

are either

1. liars or

2. con artists

which are you

reply to rev fool
 

neither you loser

unlike a loser like you

i help people for fun and for free

something truely alien to the republican likes of you

all you probably think of is whats in it for me

all you can conentrate on

is my freedom to not

type my posts as you seem to think you have the right to demand me to do

you amuse me with your lame attacks

you remove all doubt as to your childish level of thinking

the topic here is finance a truck

i gave an example that works

and you cant stand it

because it explores an idea

that involves thinking of the box

again a concept alien to you

keep replying

and attacking my posts as lies or my

posting style

its the only thing republicans like you can do

when you are faced with unrefutable facts

i said it before i will say it again

if you cant stand the way i post

dont read em

do the world a favor and dont reply

if your childlike mentality can do so

ya 6 year old child