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Reply #32: Credit ratings are based on many things [View All]

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MadHound Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Dec-04-08 01:15 PM
Response to Reply #24
32. Credit ratings are based on many things
Student loans, car loans, mortgages, etc. etc. Hell, even the bills you pay go into your credit score. I got started by taking out a small loan to buy a moped in the early eighties, paid that off promptly, and haven't had a problem since. Of course not really believing in carrying a huge credit load, the only real major debt that I've had was my mortgage. Never had a student loan, credit card debt, and only one home equity loan(a very modest one).

You don't need credit cards, and your life is much better without them.
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