How will I know when I have good credit? What if I have only have one paid collection on all three reports(3 years old). Is that still considered bad? I don't want to get a house right now so I will not be able to find out my scores. What is considered bad, ok, good excellent without your scores? Do you have to have zero negative items to be able to honestly say that you have good credit????? I know that you guys can only speculate but I'd like to know what you think.
Just my opinion. The Top Ten Reason To Know When You Have Good Credit. 10)You know you have good credit again, when you start getting credit solicitations in the mail. (F.Premier & CCB excluded) 9) You know you have good credit again, when you get instant approval online from a major bank in Delaware or South Dakota. 8)You know you have good credit again, when you get a cell phone account regardless of a security deposit. 7)You know you have good credit again, when you get your credit report and you have no inquiries in the last 6 or if you are lucky 12 months. 6) You know you have good credit again, when on the same credit report your last late, delinquency or charge off was over 24 months ago. 5) You know you have good credit again, when you carry balances no more than 15% of the available credit limits on your credit cards. 4) You know you have good credit again, when you have limited your revolving trades to 2-3 major credit card accounts and 1 retail card if you like. 3) You know you have good credit again, when your last major delinquency, late or collection was 5 or more years ago. 2) You know you have good credit again, when post your successes at creditnet.com and of course the 'haters' treat you like you stole the Statue of Liberty.(that's the true sign) 1) You know you have good credit again, when you apply for the ultimate AMEX card and you are INSTANTLY APPROVED. DOGMAN I BOW TO YOU..... GOOD LUCK ALL ..... RONI.
RE: Just my opinion. And don't forget If you answer your phone without checking to see if "unavailable" or "out of area" comes up on the caller i.d., you probably have good credit. If you answer the phone and don't hang up when you hear the recorded voice saying "Please hold for this important message", you're credit is probably good. If you've never ended a conversation with a complete stranger by saying "@!#$, don't call my house no more!", your credit is probably o.k.
RE: Just my opinion. The best indication of good credit is lower rate offers and higher limits without requesting them. Exercise your credit and you will get there. http://www.creditsense.com
RE: Just my opinion. No Anthony, That is DAMned good Credit. Lol roni. CreditWorks - creditsense.com wrote: ------------------------------- The best indication of good credit is lower rate offers and higher limits without requesting them. Exercise your credit and you will get there. http://www.creditsense.com
