11-14-17 21:24 NANCY BACKUS wrote to ED VANCE about Re: Banks, money, PR, etc
Howdy! Nancy,

 NB> {at}MSGID: 
 -=> Quoting Ed Vance to Nancy Backus on 11-13-17  16:39 <=-

 NB>> That's a safe and wise way to deal with money... And one can use credit
 NB>> cards like cash... by paying them off in full when the bill comes...
-snip-
 NB> Having paid off your house mortgage (or car loans) does count towards
 NB> your score, though.... as long as they still have it on the books...
 NB> And if you have those still open, they can affect your score for good
 NB> or bad...  Admittedly, what goes into a high score is having credit
 NB> cards and using the credit wisely... actually using them, how long
 NB> you've had them, and how much headspace you keep on them (ie, don't
 NB> overextend yourself)....

Its been ages since the Mortgage was paid, same o same o for auto loans.
My idea of using credit cards 'wisely' is not to use them at all.

It has been a long time since I asked for a free Credit Report, guess I
ought to ask for one now since all of the Hoop-a-La about the recent
Breach.

As far as what My Credit Score is, I never wanted the priviledge to PAY
for one of those.

Probably My Credit Score is ZERO, the same as My I.Q., those who know
Me would agree with Me about that.


... DeeDee, don't press that button!  DeeDee!  NO!  Dee...
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