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[QUOTE]Originally posted by Jmir018: [QB] Cobraracer46, i am one of the few who quietly agrees with your point of view every now and then, but I think you take things to the extreme. Why do u make such an emphasis in "burning" your credit cards? I agree that if you are planing on owning a home then you should try to have as little debt as possible to make the payments not hurt you as much every month. Credit score is not based on how much debt you have.. It's based on how good of a record you have when it comes down to making monthly payments. This does not mean making the minimum monthly payments, but just keeping track of how responsible you are when it comes down to making payments. If what you say is true, then how would you explain my credit score of over 800 with no debt at all? I simply don't use my cc unless they are for emergencies and pay them off as soon as I get the bills at the end of the month. Again,... i don't burn them..why would i do that? that would be stupid. instead they are locked away in a safe at home... i only carry one in case of emergencies. i Once again.. Why look for "someone who is professional enough to look at the details of your life" that does underwriting? that to me would be stupid. I would rather make the most of this stupid system and get a better loan based on my credit score. If you based the loan on your credit score then you'll be able to select from a ton more loan options. [/QB][/QUOTE]
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