My credit card bills are paid each month. I leased a car. You should be rewarded for being fiscally responsible. I would far rather lend me money than a 717 credit score with a mortgage, car payments, and limited savings. The joke is I should be sharply higher. I get how they do the math. I don’t agree with it.
Your FICO score isn’t higher because you haven’t demonstrated to lenders that you are more credit worthy. It’s about debt and having a history of paying it on time. No mortgage, car payment or CC use is not the way to raise your score. You may not think that doesn’t make sense but that’s how the system operates.
There is also an Au Za'atar on Avenue A. Can't believe they have two locations! The Smith restaurants are a good backup plan. There is one on 2nd Ave around 51st.
My credit card bills are paid each month. I leased a car. You should be rewarded for being fiscally responsible. I would far rather lend me money than a 717 credit score with a mortgage, car payments, and limited savings. The joke is I should be sharply higher. I get how they do the math. I don’t agree with it.
Your FICO score isn’t higher because you haven’t demonstrated to lenders that you are more credit worthy. It’s about debt and having a history of paying it on time. No mortgage, car payment or CC use is not the way to raise your score. You may not think that doesn’t make sense but that’s how the system operates.
There is also an Au Za'atar on Avenue A. Can't believe they have two locations! The Smith restaurants are a good backup plan. There is one on 2nd Ave around 51st.