Originally Posted by mickeycrimm View Post
I sometimes listen to Dave Ramsey when driving. So he asked some guy what his financial situation was. The guy said "I'm doing good, my credit score is 832." So Ramsey says "No, you aren't doing good, the credit sellers are doing good, you're their sucker."

My credit score has been the same for years. They won't raise it because I refuse to make installment payments. I pay my cards off every month no matter how big the purchase. When I make a big purchase I'll get emails and texts saying "take your time paying. No need for a payment this month." Shit like that. They're trying to soak me for interest. I'm like fuck you and pay the whole thing off. I can't remember ever paying any interest. The money they make off me comes from charging the seller.

Can't explain the difference in scores. It might be because of different updates:

We have almost the same credit score. Mine is currently a few points higher, but anything within 10 points is pretty much a dead heat. Mine tends to vary. When I use a lot of credit in August before football season, it drops. When I collect money offshore and pay things off end of November (which, by the way, is when real estate taxes usually get paid), it goes up. I'm hoping for an 810 when the smoke clears next month. Should be close.