Here we can all be heard for a little while. Part 3

Pyxis

Georgiegirl256 wrote: »

Usually my type is very much dark long(longish) hair, but I just don't see the appeal in him? Well I didn't until I saw a topless pic, and I was "hello!"....maybe I could just cover his head with a bag or something!

It's interesting, because I usually prefer less swarthy, less (body)-hairy men, with lighter hair, but there's just something about him....probably his eyes. I'm a sucker for men with kind and/or twinkly eyes!

Waves_and_Smiles

In MSE news I notice my credit score has dropped slightly. This is because it is now turning into what is called a thin file which means I have little record of loans or credit cards. I do use a cashback credit card but pay it off in full every month. The site said consider taking out a bank loan to put myself back on creditors radars. So I have to take out a bank loan I don't need and pay extra interest on it just to improve my credit score. Makes total sense. :rotfl:

Pyxis

Waves_and_Smiles wrote: »

In MSE news I notice my credit score has dropped slightly. This is because it is now turning into what is called a thin file which means I have little record of loans or credit cards. I do use a cashback credit card but pay it off in full every month. The site said consider taking out a bank loan to put myself back on creditors radars. So I have to take out a bank loan I don't need and pay extra interest on it just to improve my credit score. Makes total sense. :rotfl:

Jeez! I dread to think what mine's like, then! Since my mortgage ended, and I started paying the card off every month, I've had no other loans at all!
Isn't it absolutely ridiculous that you might have to start worrying about NOT having any debts? :rotfl:




On another note, I found this lovely pic on another thread, to illustrate all our lovely hoverers!






Oh, just thought! I have bought a couple of things recently from two different sources on account, not on a card, and I paid them as soon as the balance statements came in, so that might help my profile.

Waves_and_Smiles

Awww, what a lovely pic! Hello hummingbirds!

The site did mention having a mortgage helps because then creditors are aware of you. Because I rent and don't have debt there is only a record of me through my one credit card and my bank account. I am on the Electoral Register and everything else they suggest, it's purely because I haven't taken out any credit for years. What a totally ridiculous situation, I don't want more debt, it took me 5 years to clear the last lot!

Pyxis

Waves_and_Smiles wrote: »

Awww, what a lovely pic! Hello hummingbirds!

The site did mention having a mortgage helps because then creditors are aware of you. Because I rent and don't have debt there is only a record of me through my one credit card and my bank account. I am on the Electoral Register and everything else they suggest, it's purely because I haven't taken out any credit for years. What a totally ridiculous situation, I don't want more debt, it took me 5 years to clear the last lot!

Could you post the question onto a credit /debt thread, and see if anyone can suggest anything! There may be a way round it that we can't think of.

Waves_and_Smiles

That's an idea, Pyxis. I am not about to take out anymore loans because I don't need them and cannot afford the interest anyway. I need to keep my credit score as high as possible because I rent and letting agents check that before they agree to a tenancy. Even Virgin Media checked it before they allowed me broadband. Don't get me wrong, it is still a decent number but it is slowly dropping and will continue to do so the further time moves away from my last loan and credit card application. I wonder if getting another credit card would help? I might brave another board and ask.

Pyxis

Look at what I've just been given!





I replied that, spooking of ghost hugs, I spectre become a phan(tom) of those! :rotfl:

elsien

If you can be disciplined. you could take out a credit card, use it for your online shopping that you'd be doing anyway, and pay it off every month.

I use mine for food shopping and petrol that I'd be spending anyway - it's also a cashback card so I get a bit extra. If you're sure you won't overspend and keep a low limit to avoid temptation that might work.

Waves_and_Smiles

Awww, look at the little ghostie! That's adorable!

I do that, elsien. I have a cashback card like you, that I pay off every month and get a little bit of money in return for using it. It helps quite a bit but not enough. A lot of the problem is I don't work and don't have a mortgage, they can really increase the score. I have no problem being disciplined with credit (I have a £8500 limit but never spend more on it than £400 a month) but I need to find a way to remind lenders I exist without having to pay interest to do so.

Oh, it turns out I have another credit card already that I have never used, I totally forgot it existed. I only got it so that I could get a free Baby Oleg Meerkat toy. Perhaps if I start using that and paying it off, too? I may get confused!

elsien

I'm sure I've read on here though that the credit scores in and of themselves are meaningless - it's about individual criteria so if you can show you are paying off any credit without missing payments that's the important bit. That was my understanding, anyway.
Might be worth sticking a question on the housing bit of the board, if rent checks are your main concern.