tag:blogger.com,1999:blog-28663723.post4637508474064105691..comments2023-11-05T05:27:55.905-06:00Comments on A Homesteading Neophyte: Bikes, corn and homePhelanhttp://www.blogger.com/profile/08250080326099834661noreply@blogger.comBlogger13125tag:blogger.com,1999:blog-28663723.post-83137593082535914612007-08-21T14:36:00.000-05:002007-08-21T14:36:00.000-05:00I hate credit! I am getting out of debt and the he...I hate credit! I am getting out of debt and the hell with a new place. this one can fall in when I am old.<BR/><BR/>I also had no corn, lots of stalks, silk and what nots but no ears not even baby ears, just silk.Celestehttps://www.blogger.com/profile/02185860853151726676noreply@blogger.comtag:blogger.com,1999:blog-28663723.post-62662463902750077402007-08-15T15:10:00.000-05:002007-08-15T15:10:00.000-05:00Ironically, my husband was adversly affected on hi...Ironically, my husband was adversly affected on his credit history and the same thing increased my credit score. The one who said "damned if you do, damned if you don't..." is right! It is a crap system made to not be understood by anyone, but the people who make the judgements. In fact, up untill 1998 they were the only ones privy to the "score". Now you can buy it if you want to see it (that is the only thing lenders care about and it is based on things they value or devalue on that unknown system). I called FICO to ask about something listed as "bad" on my report and the girl on the other hand asked me what the score was on the report (sent by the bank we are getting our new mortgage through). I replied what it was and she said, "Why care about {blank}, those are excellent scores!" She said they shouldn't affect my credit, YET, they are listed as bad (and are incorrect). It's frustrating to say the least.<BR/><BR/>Hope things go better.Ginahttps://www.blogger.com/profile/10788740577135090145noreply@blogger.comtag:blogger.com,1999:blog-28663723.post-12804522047349365892007-08-15T07:49:00.000-05:002007-08-15T07:49:00.000-05:00bfitch, we got our mortgage without all those thin...bfitch, we got our mortgage without all those things the first time around, but now. . . that stupid revolving credit!<BR/><BR/>Maggie, I agree<BR/><BR/>Tim, thank you.<BR/><BR/>Howling Hill, I don't mean to scare you guys. But you do need to think about this. Talk to a lending officer to see what you need to do so that things don't surprise you.<BR/><BR/>Alrescate, yep I will have to buy seed.<BR/><BR/>Cheryl, I hope not.<BR/><BR/>Linda, I love show and tell. It was my favorite time in school.<BR/><BR/>renee, as Farm mom says below you, you are damned if you do, damned if you don't. Sorry about your corn as well.<BR/><BR/>Tish, thank you.<BR/><BR/>Farm mom. ACK! I am so sorry.Phelanhttps://www.blogger.com/profile/08250080326099834661noreply@blogger.comtag:blogger.com,1999:blog-28663723.post-38059557904458497682007-08-15T07:01:00.000-05:002007-08-15T07:01:00.000-05:00My husband and I were lucky/stupid enough to have ...My husband and I were lucky/stupid enough to have CC debt when we bought this house, and I too started paying them off and was told that would be a mistake, by the loan officer. Since then we have a great credit score, but that too comes with it's problems. I now have CC's with no balances and enough credit limit on them to buy cars and small homes!!! And if you ask them to lower your limit, you know what they tell you? If you do that it will lower your credit rating. So guess what I'm dealing with right now? Yup, identity theft. Someone decided if I wasn't going to use all that credit they would. $11,000 in fradulent charges on one of my accts. I've been dealing with this situation since the end of March and it still is not resolved!! Ugh! The only reason I don't pay everything off and close everything is that Eric and I too are thinking of buying someday. So, you're damned if you do, damned if you don't in my opinion.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-28663723.post-30757888637067586472007-08-14T19:01:00.000-05:002007-08-14T19:01:00.000-05:00I just posted your 10 Questions on BlogsWeLuv. :)...I just posted your 10 Questions on BlogsWeLuv. :)Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-28663723.post-36845174707105502222007-08-14T14:43:00.000-05:002007-08-14T14:43:00.000-05:00Ack! It's ridiculous that so much of the country l...Ack! It's ridiculous that so much of the country lives in such deep debit, yet we also get punished by trying to be extra responsible and avoid any credit? Err...<BR/><BR/>Gardening related, my corn got such a late start that I doubt I will have any either. Just another reason to visit the farmer's market I guess!Reneehttps://www.blogger.com/profile/01181025299612384750noreply@blogger.comtag:blogger.com,1999:blog-28663723.post-91799153629984099532007-08-14T12:54:00.000-05:002007-08-14T12:54:00.000-05:00That's shitty on the loan. I had a similar kind of...That's shitty on the loan. I had a similar kind of issue when I moved here because I had no credit history in the USA. I had to get a stupid expensive secured credit card and work up from there. It took a long time. <BR/><BR/>I love the "show and tell" thing! :) That doesn't exist in the UK but it makes me smile. And yes, it's exactly like that.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-28663723.post-83075338246180192722007-08-14T11:21:00.000-05:002007-08-14T11:21:00.000-05:00Oh my god, that's ridiculous! I've never heard of...Oh my god, that's ridiculous! I've never heard of such a thing, I wonder if it's the same here in Canada?<BR/>I'm sorry to hear about your corn.Cherylhttps://www.blogger.com/profile/08034794313638177847noreply@blogger.comtag:blogger.com,1999:blog-28663723.post-64616126249612861762007-08-14T10:02:00.000-05:002007-08-14T10:02:00.000-05:00Too bad about your corn. Will you have to buy seed...Too bad about your corn. Will you have to buy seeds now for next year?<BR/><BR/>I had heard that you should have some credit cards to help with your rating but I've never heard paying early is bad for your rating. That is messed up.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-28663723.post-6349844908970328682007-08-14T09:21:00.000-05:002007-08-14T09:21:00.000-05:00You're scaring Wolf and me. We've paid off almost ...You're scaring Wolf and me. <BR/><BR/>We've paid off almost all of our debt (still paying on our mortgage and one small car loan) and have no credit cards (only debit). Our goal in doing this was to be debt free so we could buy land and build a home on it. <BR/><BR/>*sigh.*Howling Hillhttps://www.blogger.com/profile/13308588294981941098noreply@blogger.comtag:blogger.com,1999:blog-28663723.post-32741995937244748232007-08-14T08:25:00.000-05:002007-08-14T08:25:00.000-05:00what a pain in the ass.I feel for you.what a pain in the ass.I feel for you.Tim Appleton (Applehead)https://www.blogger.com/profile/17095838102621049820noreply@blogger.comtag:blogger.com,1999:blog-28663723.post-6254456693009669932007-08-14T08:08:00.000-05:002007-08-14T08:08:00.000-05:00I had a similar mistake, I paid off a credit card ...I had a similar mistake, I paid off a credit card then cancelled it, bad move on the credit front. I had no idea. The credit rating is a bunch of manure and needs to be regulated.Maggiehttps://www.blogger.com/profile/08645641129813500105noreply@blogger.comtag:blogger.com,1999:blog-28663723.post-28920292589081183382007-08-14T08:01:00.000-05:002007-08-14T08:01:00.000-05:00I also tried to get a mortgage and while I had no ...I also tried to get a mortgage and while I had no bad marks on credit I also was told I did not have enough revolving credit. Was told to get credit cards, furniture loans and such to equal 10,000.00 in revolving credit before I could qualify. All this time I was trying to be good and not have any debt but unable to get mortgage without debt and lots of it. <BR/>Needless to say I now have three credit cards and new furniture on credit.Anonymousnoreply@blogger.com