SGT Private RallyPoint Member 1776426 <div class="images-v2-count-0"></div>I'll start:<br />Check your reports annually<br />You don't need a credit card to get a better credit score<br />If you need something fixed that the site won't allow, call them 2016-08-03T20:50:32-04:00 SGT Private RallyPoint Member 1776426

<div class="images-v2-count-0"></div>I'll start:<br />Check your reports annually<br />You don't need a credit card to get a better credit score<br />If you need something fixed that the site won't allow, call them

2016-08-03T20:50:32-04:00 2016-08-03T20:50:32-04:00 SGT Private RallyPoint Member 1776429

<div class="images-v2-count-0"></div>No trailblazing.

2016-08-03T20:51:21-04:00 2016-08-03T20:51:21-04:00 SPC(P) Private RallyPoint Member 1776487

<div class="images-v2-count-0"></div>I've had 3 credit lines in my life, auto insurance, car loan and business loan. I paid my business loan off pretty quickly (couple of months) and it actually hurt my score because I did not leave it open long enough. I try to pay cash for everything.

2016-08-03T21:17:33-04:00 2016-08-03T21:17:33-04:00 LTC Kevin B. 1776674

<div class="images-v2-count-0"></div>"Frequency of inquiry is negatively related to your credit score." Simply having credit reports ran on you will drive down your credit score, even if you don't take on debt after the credit report is ran. Only let someone run a report on you when you're ready to pull the trigger.

2016-08-03T23:02:33-04:00 2016-08-03T23:02:33-04:00 SFC Don Vance 1780205

<div class="images-v2-count-0"></div>Your credit score is number assigned to you by lending institutions that show your willingness to carry debt. My best advice is pay cash and have no debt except a 15 year fixed rate mortgage.

2016-08-05T00:55:18-04:00 2016-08-05T00:55:18-04:00 2016-08-03T20:50:32-04:00