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Once upon in America, a guy like me could walk into a Bank, ask for a loan from people
who made decisions right in front of you. Credit scores have always been with us. And if
someone had a question concerning your credit, you could answer right away. You didn't
always get what you wanted, but someone would listen.

I had excellent credit for twenty years, then a series of events made my score drop to  a number around 500. It was bad. It has taken years  for me to have my score deep in the 700 range.

My reasons for lousy credit were many, living too well was not one of them. I l found
that getting a good auto insurance rate,  type of car you drove, where you lived and what you would pay was all determined by a number. You rarely would have a chance
to explain what happened because the machine decided you were a bad risk.

Credit is easier now and everyone wants me to use their card. I use a Visa card and that is about it. Gas cards don't count. Everyone needs a card like that I would think.
I resent the questions that happened six or seven years ago. If I have 20 good ratings
from companies, I will always have to explain what happened 7 years ago. Now if your
after a certain job,your credit is checked, My car insurance company recently checked
my credit. I am asking why because I have never missed a payment.
I was paying cash for my sons medical needs, and I asked for an increase on my credit
line. I was turned  down not because I have EVER missed a payment on the loans I had
in the past with them, I have access to credit from a card which would give me the chance to spend too much money. The fact that the card had a 0 balance didn't matter,'
I  switched banks and got the credit line I wanted.

American business has computers you talk to before itdecides if you can talk to a real person. Mobile phone companies,  Comcast, Electric companies all do that; Stay away from a bank and join a Credit Union,they can be cheaper,depending on how much money you have or don"t leave in your account.

Unless you"re applying for a job in a bank,or directly dealing with money, your credit rating is part of your personal life. Companies should not be allowed to check it. Are
you Gay? Are you a Christian?Every person should have a right to privacy.

Personal relationships are needed in this country when it comes to banks or the job your
applying for. People have problems:its called life. people need the chance to explain
themselves, or try and be judged on who you are right now,not what happened years ago.

Pay your bills on time. Something negative that happened to you years ago can hurt you
and you  many times will have no chance to explain. Companies make millions charging
high rates on any loan you may need.

If you find yourself with bad credit,take $300 and put it in a savings account and get
a secured credit card. Be sure and make every payment. Soon the bank will release 'its
hold on your money and you have established a good credit rating. If you need a payday
loan, borrow it from a bank.

A Credit Union is where you should bank. Big banks want people with money who will always have cash in their bank, I have relatives who manage Credit Unions. My Sister
is the C.E,O of five branches for one.She has given loans to many with bad credit. People were so thankful to her,the loans were paid as agreed,99% of the time. She
want"s customers to call her by her first name.

 Save your money and pay for things with cash if you can. I will pay
cash next time I buy a car, I will buy a used car,not a new one. Value  stays longer.

Take it from me, pay your bills,and deal with a local Credit Union. I am a graduate of the school of stupidy and hard lessons. I now share my story
with hopes that you will nver let credit issues keep you from your goals!

Originally posted to Vet 65 on Wed Jan 22, 2014 at 07:06 AM PST.

Also republished by Community Spotlight.

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Comment Preferences

  •  Other tricks (19+ / 0-)

    My spouse used to be in the mortgage business.  Turns out if you use your credit card regularly, and make regular payments, your score goes up.

    One thing that really surprised me was that if you keep a small balance on your card, your credit score goes up.  It makes no sense to me, but that is what they were told in a class about how credit scores are calculated.

    Oh, and it is better to have smaller balances on several cards, than to have one big balance on a single card.  (better in that if you make your payments, your score increases faster).

    I think they should be required to publish how the scores are calculated so that everyone knows how the game is played.

    •  SilverWillow (7+ / 0-)

      I had no idea about keeping a balence on the card, thanks!
      AMEN to your last statement. I can get credit but I think there are no hard fast rules. Just a guess,
      thanks for writing,
      Mike

      Social activist, nutrition and exercise advice,long distance runner, Writer.

      by Vet63 on Wed Jan 22, 2014 at 07:45:19 AM PST

      [ Parent ]

      •  if you pay the whole balance every month (8+ / 0-)

        that works against you.

        keeping a small balance is what credit companies want.

        paradoxically, I have poor credit because I have NO credit cards

        Politics is like driving. To go backward put it in R. To go forward put it in D.
        Drop by The Grieving Room on Monday nights for support in dealing with grief.

        by TrueBlueMajority on Wed Jan 22, 2014 at 10:45:24 AM PST

        [ Parent ]

        •  TrueBlueMajority (2+ / 0-)
          Recommended by:
          SilverWillow, ladybug53

          Do  you want credit?If you do,e-mail me and I have suggestions
          Mike

          Social activist, nutrition and exercise advice,long distance runner, Writer.

          by Vet63 on Wed Jan 22, 2014 at 12:40:05 PM PST

          [ Parent ]

          •  Pretend I just e-mailed you (2+ / 0-)
            Recommended by:
            ladybug53, SilverWillow

            and post suggestions right here.

            •  Urban Space Cowboy (2+ / 0-)

              !. put your money in a Credit Union,
              2. pay all your bills through their bill paying service.
              3. Put some money into a savings account

              4. Secure a credit card through the Credit union you are a member of,Use your money as their guarantee.
              5. get a payday loan through your credit union, Your credit
              can be below 600 in some credit union.
              6. you have all your bills paid by the credit union,within 6
              months you will get a loan. I assume your current with
              every place you deal with,(car loan) for example.
              7. meet the manager of your credit union! tell he or she
              what your problem has been in the past. The manager of my credit union gave me things to do to have good credit.
              I have had 6 loans with her,no she has no idea my sister
              is head of 5 credit unions.
              I can"t use my sisters credit union,(conflict of interest?
              If you think I am full of shit,let me know,I will prove you can get credit. The lower your credit score,the longer it will take
              to get a loan.
              Mike

              Social activist, nutrition and exercise advice,long distance runner, Writer.

              by Vet63 on Thu Jan 23, 2014 at 08:49:15 AM PST

              [ Parent ]

        •  That's completely and utterly untrue. (0+ / 0-)

          Having 0% utilization works against you, but paying the entire balance, in full, by or before the due date works for your credit score.

          798 FICO score.  Pay in full every month.  Have for years and years.

          •  Lasgalen Lothir (0+ / 0-)

            I said to folks pay your bills on time and using billpay is a good way to do that. I have always been taught to show a steady
            stream of months where you were never late. I think every story about credit might be a little unique to the person.
            Mike

            Social activist, nutrition and exercise advice,long distance runner, Writer.

            by Vet63 on Fri Jan 24, 2014 at 12:46:46 PM PST

            [ Parent ]

            •  It's actually fairly mathematical. (1+ / 0-)
              Recommended by:
              Vet63

              I know for many, credit scoring is kind of a mystery, but it really isn't.  While each person's score is unique to them, how that score is arrived at really isn't.

              If you never spend on credit--that is, if you have no credit profile--your score's going to be really low.  No data for the credit issuers to look at.  A tabula rasa, a blank slate.  They don't know if you're going to be good or bad.

              The same goes for someone who has credit cards, but never uses them and has never taken a car loan or a mortgage.  While they might have credit, they have 0% utilization of that credit.

              Worse comes in having 80-100% utilization, though--in other words, nearly maxed out.  Then credit companies get nervous that you're going to default on all of them at once.  That's when they start lowering your available credit to near what you have already and/or canceling your card.

              The "butter zone" is 1-20%, and it really doesn't matter how you get there.  I get there by spending almost everything on my credit cards and paying it all off--100%--when the bills come due.

              I see where TrueBlue is getting his idea, because it is, in fact, bad to have 0% utilization, just as it's bad to never use credit at all (for credit scoring purposes), so people often assume that means that your credit score will take a hit if you pay in full at the end of the month.  It makes a certain kind of sense, but it's false.  Credit companies report how much you currently owe to the reporting agencies, and they report whether they were paid on time.  However, even if you pay in full and at the end of the month, you're going to show you owe something for most of the period before payment lands.  For example, my credit report is going to show I owe about $500 on my Fidelity American Express card, even though that's set to pay in full automatically on Valentine's Day.

              That said, yes, the banks call customers like me "deadbeats" because we pay no interest at all and no late fees--they only get swipe fees from the merchants and nothing else.

    •  from what I have been told (3+ / 0-)
      Recommended by:
      SilverWillow, ladybug53, rhauenstein

      And granted I am not involved in a professional since in any way on this topic the idea behind it is that by continually paying off small amounts you demonstrate reliability which is supposed to be another part of what your credit score is supposed to indicate.

      Der Weg ist das Ziel

      by duhban on Wed Jan 22, 2014 at 12:32:27 PM PST

      [ Parent ]

      •  duhban (4+ / 0-)

        I urge you to join a Credit union. Talk to a loan officer. He or
        she can do wonders for you!
        Mike

        Social activist, nutrition and exercise advice,long distance runner, Writer.

        by Vet63 on Wed Jan 22, 2014 at 12:42:06 PM PST

        [ Parent ]

        •  oh I've been using credit unions for forever (3+ / 0-)
          Recommended by:
          Kevskos, SilverWillow, ladybug53

          I just have a couple older cards that I don't really want to get rid of that I use from time to time and once when I was denied a credit increase the above was what was relayed to me. I do not know whether it is true or not just what I was told.

          Der Weg ist das Ziel

          by duhban on Wed Jan 22, 2014 at 03:06:18 PM PST

          [ Parent ]

          •  duhban (0+ / 0-)

            I would switch Credit unions. The credit folks pay attention
            to total debt to income ratio. How liquid are you? I don"t
            have any right to know,but the credit folks will be looking
            to see how much cash is available to you after all your bills are paid.
            Good luck,
            Mike

            Social activist, nutrition and exercise advice,long distance runner, Writer.

            by Vet63 on Thu Jan 23, 2014 at 05:12:47 PM PST

            [ Parent ]

    •  Of course, that is all calculated so people (6+ / 0-)

      Playing that game are more "beneficial" to the bank and financial firms' bottom line.

      After all, if you have one big balance on one card, you only need to make one payment every 26 days or so. With several cards, you are bound to, at a  time of even some minor emergency, miss one payment and then get slammed
      that $ 59 for a late payment penalty.

      With any luck on their side at all, you might even miss two or three different cards' payment.

  •  Credit unions rock. I'm so pleased that our local (20+ / 0-)

    credit union is the #1 lender for mortgages, car loans and several other categories in our corridor.



    Is it true? Is it kind? Is it necessary? . . . and respect the dignity of every human being.

    by Wee Mama on Wed Jan 22, 2014 at 07:26:56 AM PST

  •  Your credit rating is no employers fucking (18+ / 0-)

    buisness. There is no documented correlation between credit score and employees malfeasance. It is just another way the banksters punish those of us that don't pay up though credit card debt.

  •  Credit Unions ALL THE WAY (8+ / 0-)

    thank you for this diary, this is excellent advice :)

    This all started with "what the Republicans did to language".

    by lunachickie on Wed Jan 22, 2014 at 09:20:28 AM PST

    •  lunachickie (4+ / 0-)

      your most welcome!
      Have a great day,
      Mike

      Social activist, nutrition and exercise advice,long distance runner, Writer.

      by Vet63 on Wed Jan 22, 2014 at 09:31:07 AM PST

      [ Parent ]

    •  How are credit unions so different? (2+ / 0-)
      Recommended by:
      Vet63, ladybug53

      They charge some $ 33 per NSF penalty, just like big banks. (Twenty years ago, in Oregon, banks made consumers pay Three Dollars as that penalty - how in the world, with every thing so computerized, could it possibly cost a bank or credit union that $ 33 today? ) Credit unions rely on the same sleezoid system of credit ratings the Big Banks do. Only difference is they do invest in local community. But they make things just as difficult for the lower incomed.

      •  EliseMattu (3+ / 0-)
        Recommended by:
        Kevskos, wishingwell, ladybug53

        Usually you can have overdraftprotection. As long as you
        dont ALWAYS overdraft, they can waive fees. If they don"t
        find another credit union.
        Mike

        Social activist, nutrition and exercise advice,long distance runner, Writer.

        by Vet63 on Wed Jan 22, 2014 at 12:51:57 PM PST

        [ Parent ]

        •  Yeah that is the SAME Answer the Credit Unions and (2+ / 0-)
          Recommended by:
          codairem, ladybug53

          Banks always toss us poor people. But my question went unanswered - if it only cost Oregon banks 3 bucks to process NSF items back in 1994, how can it possibly cost the bank or credit union 33 bucks NOW?

          •  ElsieMattu (0+ / 0-)

            They will never tell you the real cost. The fee is charged
            for them to make money and for all of us to not spend more than we have in the account. Now days poor people lime my son uses prepaid debit cards that you can  have your paycheck put directly on the card every month. The day
            will come when poor people wont use a bank or credit union.
            I wouls urge you to consider a credit union. Make sure the account is not overdawn. I have disability checks in my account. I am charged 0 a month.
            Mike

            Social activist, nutrition and exercise advice,long distance runner, Writer.

            by Vet63 on Thu Jan 23, 2014 at 08:14:37 AM PST

            [ Parent ]

      •  Often their interest rates are lower on loans, (1+ / 0-)
        Recommended by:
        ladybug53

        and that was a big deal when interest rates were higher and we had to get a car loan. It make a big difference for us.

        And my credit union offers slightly higher interest rates on CDS too , higher than most banks.

        Keystone Liberals on Twitter @ KeystoneLibs , Join PA Liberals at http://keystoneliberalsforum.aimoo.com/

        by wishingwell on Wed Jan 22, 2014 at 03:23:17 PM PST

        [ Parent ]

  •  Cash is going away (8+ / 0-)

    The big banks see cash as a scourge. It used to be their fucking job but now I incur fees when I exchange cash at the big bank. They would rather I stick to electronic transactions. That way they get a fee every time I buy something. Problem is, I own a business that is cash based. A friend in a similar cash business had their bank account cancelled. The bank just said "Not gonna do business with a cash customer."


    i just baptized andrew breitbart into the church of islam, planned parenthood, the girl scouts and three teachers unions. - @blainecapatch

    by bobinson on Wed Jan 22, 2014 at 09:28:25 AM PST

  •  This is why I ditched Bank of America (13+ / 0-)

    After having bought my home and my car in cash due to having no credit score (I never had a credit card in my life), I was told that a $5K loan I needed to finish a rush job wouldn't be approved because their system didn't know what to do with me. I pointed out to the branch director that my financial history as known by them should point out that I am a much better risk than the average person, the guy agreed but said his hands were tied. So I closed my account and walked out. The 5K loan proved to not be necessary. Now I am with a credit union, and they're super nice.

    I am an electrical engineer, run a reasonably high traffic server, and build autopilots and drones for a living. If you have technical questions, ask away and I will try to give a cogent answer.

    by spiritplumber on Wed Jan 22, 2014 at 09:32:33 AM PST

    •  spiritplumber (8+ / 0-)

      Bank of America was charging my disabled Son $35,00 a month to allow him to have Social Security deposit $600.00
      a month into his account. I promise you he is no longer
      a customer.
      I am glad your with some credit union who WANTS your
      business,
      Take care,
      Mike

      Social activist, nutrition and exercise advice,long distance runner, Writer.

      by Vet63 on Wed Jan 22, 2014 at 10:01:08 AM PST

      [ Parent ]

    •  BOFA is one of the worst along with (2+ / 0-)
      Recommended by:
      Calamity Jean, ladybug53

      Chase/WAMU.  Moved to BECU when WAMU was on the ropes.  I had a co-worker who USED to work at WAMU home loan department before it went belly up, told us to abandon WAMU ASAP, sell the stock, pull your $$ out, move your credit cards, etc.  I was able to get $$ out, but my CC stayed there until they started jacking my rates around - 10% to 19% to 21% to 33% to 22% (all in about 8 weeks).  Moved to BECU at 9% (and just recently went DOWN to 8%).

      "Death is the winner in any war." - Nightwish/Imaginareum/Song of myself.

      by doingbusinessas on Wed Jan 22, 2014 at 10:35:52 AM PST

      [ Parent ]

    •  BoA is the WORST (2+ / 0-)
      Recommended by:
      Calamity Jean, ladybug53

      i ditched them years ago for a community bank

      Politics is like driving. To go backward put it in R. To go forward put it in D.
      Drop by The Grieving Room on Monday nights for support in dealing with grief.

      by TrueBlueMajority on Wed Jan 22, 2014 at 10:47:58 AM PST

      [ Parent ]

      •  I have had Citibank Visa card since 1986 and just (4+ / 0-)

        last week when I gave them some negative feedback on a feedback form for not giving me a much needed cash advance for an emergency, the customer service supervisor called me. She apologized and explained and said she would lower my interest rate to a very low rate and increased my credit line. She said customer satisfaction was important and I was a long customer who always paid on time.  

        So I was impressed that just because I gave them less than glowing feeback, I was called ASAP and they did all they could to clear up the confusion, fix the problem , and reward me with the lowest interest they could offer which was very low.

        Keystone Liberals on Twitter @ KeystoneLibs , Join PA Liberals at http://keystoneliberalsforum.aimoo.com/

        by wishingwell on Wed Jan 22, 2014 at 03:27:36 PM PST

        [ Parent ]

        •  wishingwell (1+ / 0-)
          Recommended by:
          wishingwell

          Now THAT is customer service.
          Thanks for sharing,
          Mike

          Social activist, nutrition and exercise advice,long distance runner, Writer.

          by Vet63 on Thu Jan 23, 2014 at 08:17:22 AM PST

          [ Parent ]

          •  I was stunned as Citibank does not exactly have a (0+ / 0-)

            stellar reputation. But their customer service is excellent. They do aim to please, especially their long time customers.  I was happy and frankly shocked that they replied so fast to a survey I completed after talking to a customer service rep.

            Keystone Liberals on Twitter @ KeystoneLibs , Join PA Liberals at http://keystoneliberalsforum.aimoo.com/

            by wishingwell on Thu Jan 23, 2014 at 03:55:34 PM PST

            [ Parent ]

  •  Great diary, Vet63. (3+ / 0-)
    Recommended by:
    Vet63, duhban, ladybug53

    On the tech side of things, credit unions have finally caught up to the larger banks when it comes to convenience tools, like online bill pay and account management.  Prior to that, it was a trade off between convenience and conscience.

    Now, there's not much of a tradeoff, and no reason not to go to a Credit Union.

    Besides, once you close the old checking account down and you switch your auto-pays over, you can see which ones you forgot that bounced, and it gives you an opportunity to revisit whether or not you need those subscriptions or auto-payments.

    My only gripe about Credit Union convenience services is that most of them still don't allow you to generate a one-time use credit card number for online purchases, or generate credit card numbers that can only be used at a single retailer.  It's one of the best things you can do when it comes to online financial security.  Who gives a crap if someone steals a retailer's saved credit card info if the number can't be used again?

    Even without that, however, it's still advantageous to switch to a credit union.  Just do your shopping, if possible, with a real credit card (that gets paid off at the end of every month) as you get more protection from fraud if the account is compromised.  You're generally out the money either way until the investigation finishes, but there's a large difference between that money being missing from your bank account and that money reducing the amount of available credit you have.

    Any sufficiently advanced technology is indistinguishable from magic. -- Clarke's Third Law

    by The Technomancer on Wed Jan 22, 2014 at 11:33:55 AM PST

  •  I have a checking account with a local bank (5+ / 0-)
    Recommended by:
    Vet63, duhban, wishingwell, chimene, ladybug53

    (they have about 6 branches and a contract with Money Pass that lets me use other ATMs without penalty) and a savings account at a credit union.  This works for me.

    Once I have my debts paid off, I may consider getting another credit card - if so, it will be through the credit union, since they gave me a loan that let me pay off a super-high-interest loan and the same monthly payment is taking huge bites out of what I owe them now.

    Strength and dignity are her clothing, she rejoices at the days to come; She opens her mouth with wisdom, and the law of kindness is on her tongue.

    by loggersbrat on Wed Jan 22, 2014 at 11:40:25 AM PST

    •  loggersbrat (2+ / 0-)
      Recommended by:
      chimene, ladybug53

      My credit union refunds all  ATM fees. Loans are easy to get
      if you have a credit score 670 or higher. They still may grant
      loans if you can sell them on your income.
      Take care,
      Mike

      Social activist, nutrition and exercise advice,long distance runner, Writer.

      by Vet63 on Wed Jan 22, 2014 at 01:02:50 PM PST

      [ Parent ]

  •  Right now, if you want $ 20K a yr to go to (2+ / 0-)
    Recommended by:
    codairem, ladybug53

    College and get  degree in Anything At All, you can get that money. Regardless if said degree will ever result in a job.

    However, if you' re a small business, even a business with decent credit scores, it is hard to get a loan.

    And I imagine one reason the DOW is above the 1550 mark, is because all those hedge fund traders and banks and financial firms are betting that the student loans are not going to get repaid.

    The economy will re-collapse at some point; the Big Financial firms will get re-Bailed out, and Yada Yada Yada!

    •  ElsieMattu (2+ / 0-)
      Recommended by:
      codairem, ladybug53

      You do have to show a cash flow liquid enough to prove
      you don"t REALLY need the momey. Just to humor them,you
      will consent to borrow.
      I can"t argue with any thing you said,
      Take care,Elise
      Mike

      Social activist, nutrition and exercise advice,long distance runner, Writer.

      by Vet63 on Wed Jan 22, 2014 at 02:11:46 PM PST

      [ Parent ]

  •  Credit unions are the best! (4+ / 0-)
    Recommended by:
    Calamity Jean, Mnemosyne, ladybug53, Vet63

    We have our mortgage with the local credit union. It has stayed there the whole time, never bundled and sold off to some remote entity that would strip assets and crash the economy. My paycheck goes in, my mortgage payment goes out. When I stop by to cash or deposit a check, the same credit union guy who approved the mortgage is still there and says hi. He knows my parents, whose account I handle through a trust, and always helps if I need to do something for them. Lower fees, local management, personal help - what's not to like?  

    My parents had another account with BofA, a legacy from 40 years ago when one of my dad's former accounting students was the regional manager. They had some investments through the bank; we wrote them to sell all of one investment, and instead the doofuses bought twice as much and tried to charge us! My sister and I finally got the accounts there shut down, as this was the last straw. Buncha unindicted crooks.

  •  Just have to point out that even in the 'good ol d (6+ / 0-)

    ays, credit wasn't offered to just anybody who walked into the bank and asked for it, and was known by the people behind the desk and counters.

    I recall (it was not so long ago)  when women were not given loans.  Their husbands would have to sign for them.  If her father or brother wouldn't, and she was divorced, no luck, no matter what her pay history was when she was married

    If a woman owned a bank account, (supposedly her own money deposited with the bank) she had to state her marital status.    I recall my father's bank account had a title, stating his full name, followed by the phrase 'a married man.'    What could be done with that money by limited by law.  

    Minorities, people of color, were not given loans without cosigners,  nor loans for housing in certain areas of town that were restricted to the majority population.   White people excluded Spanish, Italian, Basques, Armenians, and Asians, Irish and sometimes even Swedes!  

    Things seem to have gotten better in the late 60's and 70's, but we seem to be going backward lately.  

    Best to have little to do with bankers;  stay out of debt unless you are borrowing to make more money in the long run.

    •  My grandparents and parents told me stories of how (2+ / 0-)
      Recommended by:
      chimene, ladybug53

      very difficult and almost impossible to get a bank loan. My dad said even though he had fulltime union job back when he bought his first and only house he ever bought in the early 60s, he and Mom celebrated that they were approved for the mortgage. They had perfect credit but no credit cards as most people did not have them. But they paid all of their bills on time but they still sweated it.

      I remember that although I was working fulltime, it was not until the mid 8os when I was about 30 that I was able to get a credit card.  I was told I did not have enough debt and I did not own a house or anything like that. But I had never missed a payment on anything but it used to be that credit cards were very hard to get.  I was turned down for a JC Penney credit card but I was approved for Citibank Visa card and a Sears card. We still laugh about that. Now it is almost too easy for anyone to get a credit card with high interest rate. We warned our son about this when he was in college, to resist that temptation until he was working fulltime if at all possible.

      Keystone Liberals on Twitter @ KeystoneLibs , Join PA Liberals at http://keystoneliberalsforum.aimoo.com/

      by wishingwell on Wed Jan 22, 2014 at 03:35:54 PM PST

      [ Parent ]

    •  fastwacks (0+ / 0-)

      "The good old days" were for white men only.Big banks charge
      services fees even to talk to a teller. Banks want the 1% folks
      not us. I pay 0 for my account. I can assure you I am not rich.
      Thanks for your message!
      Mike

      Social activist, nutrition and exercise advice,long distance runner, Writer.

      by Vet63 on Thu Jan 23, 2014 at 08:29:57 AM PST

      [ Parent ]

  •  As the old saying goes . . . (1+ / 0-)
    Recommended by:
    Vet63
    Credit is easier now and everyone wants me to use their card. I use a Visa card and that is about it. Gas cards don't count. Everyone needs a card like that I would think.
     I resent the questions that happened six or seven years ago. If I have 20 good ratings from companies, I will always have to explain what happened 7 years ago.
    One "aw shit" wipes out 1000 "attaboys".

    Republicans are like alligators. All mouth and no ears.

    by Ohiodem1 on Thu Jan 23, 2014 at 12:58:20 PM PST

    •  Ohiodem1 (1+ / 0-)
      Recommended by:
      Ohiodem1

      I love a writer who makes his point using few words!
      I am stealing your quote.
      Take care of your self!
      Motor mouth,P,T.S.D.,Bi-Polar,Parkinsons shit for brains,
      Mike
      p.s. I am calling me all those names,not you.

      Social activist, nutrition and exercise advice,long distance runner, Writer.

      by Vet63 on Thu Jan 23, 2014 at 02:25:10 PM PST

      [ Parent ]

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