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<blockquote data-quote="DammitJanet" data-source="post: 622645" data-attributes="member: 1514"><p>I thought I was doing a wonderful thing back in 07 when I bought a new car, put a large down payment on it and paid it off 2 months early. I was never late, never missed a payment, it went perfectly. Well buying that car did nothing for my credit. I have no clue why. I havent had a credit card since 1984 when Tony and I got one for Sears and I went over the limit. Learned my lesson! </p><p></p><p>When my car got totaled I decided to try to get a late model used car and put another large down payment and maybe owe just a few thousand which I could pay off in 2 years or less. Well my credit was bad because I have no credit! Or I have no revolving credit which is what they want. I keep trying to tell people, if I would rather pay cash so I can afford my bills, why is that a bad thing? I still dont understand. However I did do something which is probably idiotic to get revolving credit. I needed a new fridge back in Sept because mine died. I had replaced 3 of them in probably 7 or 8 years. I decided to get a new one when this furniture company approved my credit. I figured the new fridge which came with a great warranty would be good for me. We shall see.</p></blockquote><p></p>
[QUOTE="DammitJanet, post: 622645, member: 1514"] I thought I was doing a wonderful thing back in 07 when I bought a new car, put a large down payment on it and paid it off 2 months early. I was never late, never missed a payment, it went perfectly. Well buying that car did nothing for my credit. I have no clue why. I havent had a credit card since 1984 when Tony and I got one for Sears and I went over the limit. Learned my lesson! When my car got totaled I decided to try to get a late model used car and put another large down payment and maybe owe just a few thousand which I could pay off in 2 years or less. Well my credit was bad because I have no credit! Or I have no revolving credit which is what they want. I keep trying to tell people, if I would rather pay cash so I can afford my bills, why is that a bad thing? I still dont understand. However I did do something which is probably idiotic to get revolving credit. I needed a new fridge back in Sept because mine died. I had replaced 3 of them in probably 7 or 8 years. I decided to get a new one when this furniture company approved my credit. I figured the new fridge which came with a great warranty would be good for me. We shall see. [/QUOTE]
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