Massages hurt your credit score

[Grampa]

isnt speculation that tool used in a doctors office, for the look'n at the va jay jay?

[Triple J]

The only way your credit card purchases should affect your credit score is if you do or don't pay your bill on time. Period.

The only purchase monitoring your credit card company should do is in relation to fraud...i.e., identifying "unusual" purchases, or swarms of purchases in an effort to identify whether or not your card has been stolen.

You should be free to spend your money as you wish without consequence, as long as your bill is paid and you're not buying anything illegal. It should make no difference what you're buying.

I don't like extra govt. regulations either, but this should be stopped.

I als think it's bullshit for insurance companies to look at credit ratings to determine your rates. I understand where they're coming from, as I'm sure that statistically people with lower credit ratings are higher risk. The problem is they only use the information to raise rates. You never hear them say, "Hey Mr. Johnson, your credit score is above 700, so we gave you a 10% discount". It should work both ways if they're going to use the criteria, and it should be spelled out and transparent.

[Gator]

If your going to visit a rub-n-tug just pay in cash.

This whole credit score has gotten out of hand.
How is this not seen as an invasion of privacy.

[triangleforge]

sure.

i would bet it is more sinister though.  only certain tires can be retreaded.  typical consumer passenger tires cannot.  CDL-type truck tires are usually retread-able.  I just can't figure out that one.

Must be because if you're trying to make money in commercial trucking with $5 diesel, they figure you've only got a couple more months of liquidity, if that...

Seriously, though, it's even odder than that -- the article said "tire and retread shops," so your credit score gets dinged if you just do basic stuff to keep your car safe & running?

I don't like government regulation, but there's got to be some counterbalance to the growing intrusion of this entirely un-elected, mostly unaccountable nanny state that's growing like kudzu on the corporate side. And now I'll shut up before this gets bumped over to Politics...

[ducatiz]

isnt speculation that tool used in a doctors office, for the look'n at the va jay jay?

i thawt that wuz a finger?

[fwtcc]

i thawt that wuz a finger?

I would question your wife's Dr.'s qualifications.  Also if his office has a disco ball, it is no office.

[ducatiz]

I would question your wife's Dr.'s qualifications.  Also if his office has a disco ball, it is no office.

didn't say that's what he used.. that's what I use!

[fwtcc]

didn't say that's what he used.. that's what I use!

Screw inflating your tires, that's the best way I have heard to save money in a bit.

[triangleforge]

I would question your wife's Dr.'s qualifications.  Also if his office has a disco ball, it is no office.

A gynecologist who advertises happy endings... well there's something you don't see every day. Probably best to pay that one with cash too.

[tommys67]

I may be a little late to the party here, but I totally agree with Tizzz here.

In fact, my disgust with the credit rating "racket" is such that I want a complete consumer revolt against the industry.

In researching my options for the repair of my own credit (boy does divorce do wonders for it... ) I learned a few things. 1 - there is no quick solution 2 - there are a lot of wackos and scam artists who think they can repair your credit and 3 - it may sound like a conspiracy theory to sum, but I TOTALLY believe that the credit agencies, FICO and the banking system truly want everyone's credit to be as LOW as possible.

The lower everyone's credit, the more they can charge for interest and the more selective they can be for loans.  It's a wicked endless cycle.

[/rant]

[lucazuma]

How is this not seen as an invasion of privacy.

...yeah, how isint it?

i say bull shit!...

also, how do the banks know that you are paying for YOUR own happy ending? and not your brothers 18th birthday present?!?

its absolutely bull shit!!

...i wonder how bad it would be to pay for your son/doughter/friend-in-need rehab with your credit card!?!?!? 

or how about buying alkihool?..."sir, your score has gone down 30pts because we noticed that you have encresed the consuption of Pabst, by a good 40% this month"...

or cigaretts?...higher risck of cancer, death hence higher risk of dieing with a debt....

or weappons?...you own weappons so you probably are more likely to be in an environment where guns are used...enhanceing the risk of getting hit or killed even if just by accident...(especially if ya go huntin' with Chaney)

good call, jackassus Tizzz

[the_Journeyman]

The lower everyone's credit, the more they can charge for interest and the more selective they can be for loans.  It's a wicked endless cycle.

[/rant]

I guess me paying my mortgage on time every month and paying my credit card off every month is a big ol' fly in their ointment ~

JM

[fwtcc]

[ducatiz]

I guess me paying my mortgage on time every month and paying my credit card off every month is a big ol' fly in their ointment ~

JM

people who pay their bills on time are called "deadbeats" in the credit world.  go figure.

i had a Visa card with Providian that I never used (and always paid off immediately if I did)-- I just kept it because they gave me free access to my FICO online.  They cancelled it. 

[mitt]

Um, you can still use cash...

mitt