Sightz,...I am a 47 year old white guy. Not racist at all. I did not know all the info on her past. I agree with pretty much everything you say. Personally, I think she is a great looking gal and I loved a few of her songs. You are 100% correct about the mega star potential. It's easy to see her as powerful as any of t...more

Well, the boasting part probably isn't cool, but I want to make sure I understand your thoughts on their "other options". Not everyone has enough money to pay cash for a house or car,...so they finance those sort of things and pay interest. Would you suggest buying either of those two items are a good or bad move?

Someone (cab0151) Great info. One more solid piece of evidence that that the system is skewed in favor of the lender.

Meg8681. You make a great point and you should be applauded. More people should have that mentality. I think it would be great if you could supply this forum with the top three lenders that you know of that do manual underwriting. I think the biggest area that non-millionaires would say you go against the "debt is not ...more

Hi Someone...not sure anyone recommended 7 credit cards. I used the scenario to arrive at a number easy to multiply. I did that so the number added up to 10 which allows anyone to get the idea that 10 times 24 months was 240 "good" data points. By FICO's standards, you are in the elite group. Congratulations. I am not ...more

....so, for all of those supporters of the current mathematical models (skewed in favor of the lender), where is your breaking point. Take a 30 day late payment. Right now it drops your score about 60-75 points and makes it last 7 years before it goes off. Would you still be ok if it dropped it 100 points and made it l...more

B.A. Phillips. I can't say for sure if I agree with the sour grapes comment. You just need to pick a level that you, yourself would call the breaking point. In my earlier example, I explained that you could have 24 months of on time payments, times on 10 different accounts for a total of 240 "positive" data points. I...more

realitycheck8. Before your most recent response, I predicted that you had a history of being on the "lending" side. What you have just done in your response to people "inquiring" about rates is that everyone is desparate. Yes, maybe you worked at a loan and thrift company or in a lending institution where there were "d...more

realitycheck8,...I don't have an agreement with my friends where I am already charging them 5, 10, or 15 % interest. I am not a business,...I loan friends money from time to time, only getting back what I borrowed to them. If they are late on paying me back, I don't charge them a late fee of $30. to help pay Gladys her...more