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Your credit reports and scores free credit report credit score Raleigh-Durham don't "know" whether you're carrying free credit report credit score Raleigh-Durham a balance or paying free credit report credit score Raleigh-Durham it off in full every month.

That's because the balance reported to the credit bureaus typically is the balance from your last statement, not what was left over after you got that statement and paid the bill. So you might as well pay in full and save yourself the interest. This myth encourages people to carry unnecessary debt, putting them at the mercy of credit card issuers and eroding their financial security. get free credit reports I'm dept free and already have all the "Stuff" I need. I free credit report credit score Raleigh-Durham was told I should utilize my credit cards more to build credit...but....so far I have had no trouble getting by. I travel for fun which is pretty much the only time I use them and life is good. I invision evil little trolls in a dark cavern, somewhere, just cursing my ability to function outside of the credit system. credit report business Think about it, credit scores are only important to the lender or the people attempting to get the lender to lend to them. Those scores are little more than a rating of what you have done credit wise. It is not a reflection of your worth, you could have had NO REASON to borrow, in which case your score would have been lower than someone who did borrow and paid back late or never, probably a "0"! You may have been TOO QUICK at paying back, (nothing less than a two year period is any score at all)! The score is only important......................IF YOU WANT OR NEED TO BORROW.............OR, MORE IMPORTANTLY...............DO NOT HAVE ANY COLATERAL (AN OLD AND SELDOM USED TERM SINCE THE MODERN CREDIT DAYS OF "NOTHING DOWN, FOREVER TO PAY")! free canada credit report It took me almost a month to get a loan on my present house because I always paid debt off ASAP..................YET THE 30YR MORTGAGE ON THIS HOUSE WAS PAID OFF IN 3YR, 3MOS, so tell me............how well does the score represent free credit report credit score Raleigh-Durham what the lender needs?