Quotes & Sayings About Credit Score

If you decide you need a secured card, use it to charge small items every month, then pay the balance off in full. If your credit score improves, and the bank doesn't offer to upgrade your card within 12 to 18 months, give them a call. If they refuse, try another lender. — Jean Chatzky

I love, love, love that you want to use your debit card. But to keep your credit score solid, you still need to keep a few credit cards and use them at least once every few months. — Suze Orman

the Feds had also found Netcom's customer database that contained more than 20,000 credit card numbers on my computer, but I had never attempted to use any of them; no prosecutor would ever be able to make a case against me on that score. I have to admit, I had liked the idea that I could use a different credit card every day for the rest of my life without ever running out. But I'd never had any intention of running up charges on them, and never did. That would be wrong. My trophy was a copy of Netcom's customer database. Why is that so hard to understand? Hackers and gamers get it instinctively. Anyone who loves to play chess knows that it's enough to defeat your opponent. You don't have to loot his kingdom or seize his assets to make it worthwhile. — Kevin D. Mitnick

I bet I've led a more virtuous life than you."
"First, darlin', that's not saying much. Second, getting to a higher spiritual level is like increasing your credit score. You get a lot more points for sinning and repenting than if you have no credit history at all."

-Ella & Jack — Lisa Kleypas

Which one was it? He'll pay for it with his life, I swear to you."
"Settle down, Gray. And for God's sake, don't go punching yourself in the eye just to even the score."
Gray shot him a look. "Not amusing, Joss."
"Oh yes, it is. Give me credit for a joke when I make one. It's nothing, Gray. I've had worse. You've given me worse. And it's no more than a man can expect, I suppose, when he's an alleged pirate."
"Piracy charges." Gray cracked his neck. "What a joke." This was the voyage he'd finally gone respectable, and what had it gotten him? Jilted and jailed. No good deed went unpunished. — Tessa Dare

There isn't a name for my situation. Firstly because I decided to kill myself. And then because of this idea:
I don't have to do it immediately.
Whoosh, through a little door. It's a limbo.
I need never answer the phone again or pay a bill. My credit score no longer matters. Fears and compulsions don't matter. Socks don't matter. Because I'll be dead. And who am I to die? A microwave chef. A writer of pamphlets. A product of our time. A failed student. A faulty man. A bad poet. An activist in two minds. A drinker of chocolate milk, and when there's no chocolate, of strawberry and sometimes banana. — D.B.C. Pierre

What's the difference between sanity and madness anyway? We all play headgames with ourselves. We all have baggage. We all cope somehow. I'm not sure if I'm mad or sane. I mean, I hold my life together, I pay my bills, I raise my kids. But the world is so polarized and bizarre now that for some people, none of these these things matter if they're not wearing the right shoes or don't have the right credit score or a fancy family car. Some people think the most important things to worry about are handbags and tan lines. Meanwhile, war and crime and poverty unfold all around us, and we ignore it. In that environment, how can we even begin to talk about sanity and madness? — A.S. King

Credit card companies are jacking up interest rates, lowering credit limits, and closing accounts - and people who have made timely payments are not exempt. So even if you pay off your balance - and that's tough when interest rates are insanely high - there's a good chance your credit limit will be slashed, and that will hurt your FICO score. — Suze Orman

Late payments also hurt your FICO score. And never, ever take out a cash advance on your credit card. — Suze Orman

Your credit score affects the interest rates you're offered on credit cards and loans, can be used to vet your job application, and in some states may influence your insurance premiums. — Suze Orman

Your credit score takes into account years of information in most cases. It's not going to improve in a day. But it may improve more quickly than you think. Generally, the last 24 months carry the most weight, so if you can keep clean for that long, you'll see a boost. — Jean Chatzky

I generally encourage people to make good on debts when they have enough money to repay them. But once a delinquency has been reported to a collection agency, paying it off won't help your FICO score. The damage has already been done, and the blemish will remain on your credit report for seven years. — Suze Orman

If we step back from the progressive argument and put it in any other context, its absurdity immediately becomes apparent. Imagine if I were to say to my daughter, who got a high score on the SAT, "You don't deserve your scores at all. You didn't build that. After all, young lady, you had teachers who helped you with vocabulary and math. Moreover, you took the public roads to the test. Had your car been held up along the way or caught fire, you would count on the services of the police and the fire department. So society deserves a large part of the credit for those scores. They don't reflect your accomplishment but society's accomplishment." If I said this I am sure my daughter would think I was talking like an insane person. In fact, of course, I would be talking like a progressive. — Dinesh D'Souza

I don't believe there's any evidence that credit scoring is a risk factor. What is it about someone having a worse credit score that makes them a worse driver? (Insurers) can't answer that. — Robert Hunter

It's an open secret that if a debtor is willing to wait long enough, he can probably get away with paying almost nothing, as long as he doesn't mind hurting his credit score. — Charles Duhigg

Okay, so, sometimes in life, I can be a score-keeper - someone who keeps track of what he gives and what he gets in return. An annoying quality, to say the least, and I'm sure my wife has your sympathy, but it's made me highly attuned to when and where credit is due. — Mark Feuerstein

I have always advocated doing everything possible to pay off credit card balances; it's good financial management and the ticket to a strong FICO credit score. — Suze Orman

I came out of my professional athlete career with a 450 credit score, no money in the bank to show for it, but I had an Ivy League degree. So I put that Dartmouth degree to good use and got a job on Wall Street. I hated it but used the time to make connections and become financially literate. — Brian J. White

You don't have to justify your education by demonstrating its financial rewards. You don't have to maintain an impeccable credit score. Anyone who expects you to do any of those things has no sense of history or economics or science or the arts. — Cheryl Strayed

Electricity, shelter, and a safe place to sleep ...
trump the need to preserve your credit score, or
purchase a new gizmo. — John-Talmage Mathis

The average credit score of today's FHA borrowers is higher than the average American household with a score. As it becomes more costly and difficult to get a FHA loan, loans from private mortgage lenders will become more attractive and their market share will grow. — Mark Zandi

Getting to a higher spiritual level is like increasing your credit score. You get a lot more points for sinning and repenting than if you have no credit history at all. — Lisa Kleypas

Had passed between them on this score wasn't so and could never be. Later on, through his mother, I had his version of that, but I may remark that I gave it no credit. Poor Mrs. Nettlepoint, on the other hand, was of course to give it all. I was almost capable, after the girl had left me, of — Henry James

Orgasms are a myth. Like good credit scores. — Kelly Moran

You don't have to get a job that makes others feel comfortable about what they perceive as your success. You don't have to explain what your plan to do with your life. You don't have to justify your education by demonstrating its financial rewards. You don't have to maintain an impeccable credit score. Anyone who expects you to do any of those things has no sense of history of economics or science or the arts. — Cheryl Strayed

If you fail to pay your minimums for any debt on time, your credit score will take a major hit and you run the risk of seeing the interest rate on all of your cards go up. An easy way to remind yourself to pay, is to sign up to receive your statements via e-mail. — Alexa Von Tobel

Credit is an 'I love debt' score. — Dave Ramsey

Think of your credit score as a very primitive version of what we will see in the coming Reputation Economy; if your credit score is like a traditional landline telephone handset, then future reputation scores will be like the newest iPhone. — Michael Fertik

Absolutely pay off credit card debt. If you're not getting a match in your 401(k) and you've got credit card debt, you've got to get yourself out of credit card debt. When you get out of credit card debt, your credit score goes up and interest starts to go down. — Suze Orman

Lenders look at potential borrowers from many angles before extending credit: How much of its income will a household need to put into debt repayment? How large is the down payment? Does the borrower have a job with a stable income? What is the borrower's credit score? — Mark Zandi

If you're in poverty and all you have is a debit card or a prepaid card or you pay in cash, it does not report to a credit bureau. If it doesn't report to a credit bureau, it cannot create a credit score for yourself. — Suze Orman