throwaway68911

That's cool and I was explaining how these apps have proved valuable and prove valuable to me. It is a bit of a racket, but I learned a lot by using them and able to lock/unlock my credit instantly (easily) and the other points that I mentioned that I found valuable (worth the cost).

How many know they can rack up $10,000 in credit card debt and only pay $100 a month with a zero APR card? Im not sure many know this especially those in their 20s and maybe early 30s.

So whose your lender.. love to get a 2 percent interest rate on my next house. Moving into one soon and its much higher then that.

I subscribed to both the Experian and Transunion apps. Both I quickly open either app and lock or unlock my credit(Transunion allows you to lock/unlock Equifax too).

I can also see my credit scores as much as I want and ensure that I am using no more then 30% of my total accumulated credit limit. For example say I have 10 credit cards equally $100,000 combined then as long as don't have credit debt higher then $30,000 my credit remains good to very good to excellent. Your score will be negatively affected if your debt went to 31K and higher.

Another good thing is both apps alert me immediately when theres a change to my credit.

I pay about $50 a month for both, expensive yet well worth it especially if your looking to buy a house(s) and you overall really care about your financial health/score for present day or the future.

How to improve your credit score ... get credit cards and pay most of them off, but never close them.

Once you have established credit you will then be offer 0 APR credit cards for 12 to 48 months. With a zero APR credit card that has a balance say of 10,000 your monthly minimum payment is 1% of that so $100. $20,000 $200 a month ... once the APR promo ends transfer it to another card with zero APR.

Closing credits has hurt my credit so i keep them open and locked, as well establish email alerts on all of them for different scenarios to monitor them.

No rule of law is followed and or exists it becomes a 2nd or 3rd world country as people flee the country like they are in many South American countries for the US

Its a slow decay...

- We now allow anyone to go into a store and steal up to $1k worth of goods and they can do so without consequence

- Ive witnessed drivers driving on the wrong side of the road going into oncoming traffic cause they didnt want to wait in traffic

- There is one to two mass school shootings a month in the US. How many do you have in your country?

umm not sure on that one I didnt see the driver but in Phoenix i dont know maybe... and this is a throwaway so im being xenophobic to provoke thought as Im tired of this laissez faire attitude on our laws ... it is a decay of society if we are not following the laws set in place to have and maintain a peaceful society. We become a 2nd to 3rd world country if laws are not followed as they are not followed in 2nd and 3rd world countries rather run by gangs, dirty cops and etc.

And allowing people to just steal whatever if it's below $1000.

Letting people into the country who come from third world countries where they are not use to laws being enforced and thus dont follow them once here.

Cities like San Francisco going down the tubes.

Not trying to be political just logical that being laisez faire on such things has negative consequences on a peaceful society ruled by laws and thus respect for your fellow citizen.

Im independent yet cant wait to vote out this type of laissez faire thinking.

Do you think it's a lot of people who come from 3rd world countries where there isnt much rule of law where they came from?

I recently witnessed in Baltimore after a minor traffic jam a car didnt want to wait in traffic so they went onto the oncoming traffic ramp heading straight down where another car could be coming the right way.

I had the same thought like WTH people are just doing whatever they want and are really that stupid / ignorant of how dangerous not following traffic and roadway patterns are.

Uggh scary to think that the US could slowly becoming a 2nd to 3rd world country.