Community Chat

[stilltamn8r]

% of available credit is also a very important scoring factor-

[LilacTree]

On 3/27/2014 gazelle77 said:

On 3/27/2014 straykatz said:

On 3/27/2014 Ford1224 said:

On 3/27/2014 gazelle77 said:

Yes- it is kind of confusing... you can have too much credit and look bad, or not have enough or any and look bad. Having a good income does not hurt. Owing a lot on your cards even if you pay on time can really knock your score down. Better to have just a few cards, not have too high a limit on each card, and not owe a lot on those cards.

Many years ago while I was still working and making good money, my scores were always excellent, over 800. I never had a problem getting a mortgage or buying a car, etc. I also had about eight or ten cards which I always paid more than the minimum payment. So I was handling my debt well, but I had a lot more debt then than I do now.

I now have only three cards with very low balances. However, I am much older, retired, and I have no idea if these credit agencies have access to my health records . . . that would be a good thing to find out. However, I think all of that probably factors in also.

No and why would they? However, unpaid medicals bills that end up in collection can show on your report if that collection agency reports the debt.

because credit cards are no different than a loan... plus they are insecured credit... they want to know as much about you as possible to see if anything could affect your paying them back. Companies have access to everything... they just pay for it. So next time you fill out one of those health histories at your doctor... and tell them everything... know that what they tell you is private is NOT PRIVATE AT ALL.

Your private Information is sold on the open market like stocks.

That is against the HIPA laws. They cannot sell your health information or give it away. They would lose their licenses.

[stilltamn8r]

unpaid or disputed medical bills are so common on credit reports it would make your head spin- for some reason, consumers don't consider that when they let them go unpaid.. I think many folks don't think they "count" the same way other credit counts...

some are so low- under $200 and can really ruin your credit

[gazelle77]

On 3/27/2014 bathina said:

On 3/27/2014 gazelle77 said:

On 3/27/2014 straykatz said:

On 3/27/2014 Ford1224 said:

On 3/27/2014 gazelle77 said:

Yes- it is kind of confusing... you can have too much credit and look bad, or not have enough or any and look bad. Having a good income does not hurt. Owing a lot on your cards even if you pay on time can really knock your score down. Better to have just a few cards, not have too high a limit on each card, and not owe a lot on those cards.

Many years ago while I was still working and making good money, my scores were always excellent, over 800. I never had a problem getting a mortgage or buying a car, etc. I also had about eight or ten cards which I always paid more than the minimum payment. So I was handling my debt well, but I had a lot more debt then than I do now.

I now have only three cards with very low balances. However, I am much older, retired, and I have no idea if these credit agencies have access to my health records . . . that would be a good thing to find out. However, I think all of that probably factors in also.

No and why would they? However, unpaid medicals bills that end up in collection can show on your report if that collection agency reports the debt.

because credit cards are no different than a loan... plus they are insecured credit... they want to know as much about you as possible to see if anything could affect your paying them back. Companies have access to everything... they just pay for it. So next time you fill out one of those health histories at your doctor... and tell them everything... know that what they tell you is private is NOT PRIVATE AT ALL.

Your private Information is sold on the open market like stocks.

Is this a serious post?

in my post above I should correct it to say Unsecured loan not insecured. And yes, this is a serious post. But it is a viewpoint that you do not have to believe if you choose not too.

[straykatz]

On 3/27/2014 gazelle77 said:

On 3/27/2014 straykatz said:

On 3/27/2014 Ford1224 said:

On 3/27/2014 gazelle77 said:

Yes- it is kind of confusing... you can have too much credit and look bad, or not have enough or any and look bad. Having a good income does not hurt. Owing a lot on your cards even if you pay on time can really knock your score down. Better to have just a few cards, not have too high a limit on each card, and not owe a lot on those cards.

Many years ago while I was still working and making good money, my scores were always excellent, over 800. I never had a problem getting a mortgage or buying a car, etc. I also had about eight or ten cards which I always paid more than the minimum payment. So I was handling my debt well, but I had a lot more debt then than I do now.

I now have only three cards with very low balances. However, I am much older, retired, and I have no idea if these credit agencies have access to my health records . . . that would be a good thing to find out. However, I think all of that probably factors in also.

No and why would they? However, unpaid medicals bills that end up in collection can show on your report if that collection agency reports the debt.

because credit cards are no different than a loan... plus they are insecured credit... they want to know as much about you as possible to see if anything could affect your paying them back. Companies have access to everything... they just pay for it. So next time you fill out one of those health histories at your doctor... and tell them everything... know that what they tell you is private is NOT PRIVATE AT ALL.

Your private Information is sold on the open market like stocks.

gazelle....she asked if her Health Records were on file at the credit bureau....NO THEY ARE NOT!....your health records are protected by HIPPA!

[gazelle77]

On 3/27/2014 straykatz said:

On 3/27/2014 gazelle77 said:

On 3/27/2014 straykatz said:

On 3/27/2014 Ford1224 said:

On 3/27/2014 gazelle77 said:

Yes- it is kind of confusing... you can have too much credit and look bad, or not have enough or any and look bad. Having a good income does not hurt. Owing a lot on your cards even if you pay on time can really knock your score down. Better to have just a few cards, not have too high a limit on each card, and not owe a lot on those cards.

Many years ago while I was still working and making good money, my scores were always excellent, over 800. I never had a problem getting a mortgage or buying a car, etc. I also had about eight or ten cards which I always paid more than the minimum payment. So I was handling my debt well, but I had a lot more debt then than I do now.

I now have only three cards with very low balances. However, I am much older, retired, and I have no idea if these credit agencies have access to my health records . . . that would be a good thing to find out. However, I think all of that probably factors in also.

No and why would they? However, unpaid medicals bills that end up in collection can show on your report if that collection agency reports the debt.

because credit cards are no different than a loan... plus they are insecured credit... they want to know as much about you as possible to see if anything could affect your paying them back. Companies have access to everything... they just pay for it. So next time you fill out one of those health histories at your doctor... and tell them everything... know that what they tell you is private is NOT PRIVATE AT ALL.

Your private Information is sold on the open market like stocks.

gazelle....she asked if her Health Records were on file at the credit bureau....NO THEY ARE NOT!....your health records are protected by HIPPA!

OK. Believe what makes you comfortable. No problem...

[LilacTree]

On 3/27/2014 gazelle77 said:

On 3/27/2014 straykatz said:

On 3/27/2014 gazelle77 said:

On 3/27/2014 straykatz said:

On 3/27/2014 Ford1224 said:

On 3/27/2014 gazelle77 said:

Yes- it is kind of confusing... you can have too much credit and look bad, or not have enough or any and look bad. Having a good income does not hurt. Owing a lot on your cards even if you pay on time can really knock your score down. Better to have just a few cards, not have too high a limit on each card, and not owe a lot on those cards.

Many years ago while I was still working and making good money, my scores were always excellent, over 800. I never had a problem getting a mortgage or buying a car, etc. I also had about eight or ten cards which I always paid more than the minimum payment. So I was handling my debt well, but I had a lot more debt then than I do now.

I now have only three cards with very low balances. However, I am much older, retired, and I have no idea if these credit agencies have access to my health records . . . that would be a good thing to find out. However, I think all of that probably factors in also.

No and why would they? However, unpaid medicals bills that end up in collection can show on your report if that collection agency reports the debt.

because credit cards are no different than a loan... plus they are insecured credit... they want to know as much about you as possible to see if anything could affect your paying them back. Companies have access to everything... they just pay for it. So next time you fill out one of those health histories at your doctor... and tell them everything... know that what they tell you is private is NOT PRIVATE AT ALL.

Your private Information is sold on the open market like stocks.

gazelle....she asked if her Health Records were on file at the credit bureau....NO THEY ARE NOT!....your health records are protected by HIPPA!

OK. Believe what makes you comfortable. No problem...

I will find out when I call them, which I will do right now.

[gazelle77]

On 3/27/2014 Ford1224 said:

On 3/27/2014 gazelle77 said:

On 3/27/2014 straykatz said:

On 3/27/2014 gazelle77 said:

On 3/27/2014 straykatz said:

On 3/27/2014 Ford1224 said:

On 3/27/2014 gazelle77 said:

Yes- it is kind of confusing... you can have too much credit and look bad, or not have enough or any and look bad. Having a good income does not hurt. Owing a lot on your cards even if you pay on time can really knock your score down. Better to have just a few cards, not have too high a limit on each card, and not owe a lot on those cards.

Many years ago while I was still working and making good money, my scores were always excellent, over 800. I never had a problem getting a mortgage or buying a car, etc. I also had about eight or ten cards which I always paid more than the minimum payment. So I was handling my debt well, but I had a lot more debt then than I do now.

I now have only three cards with very low balances. However, I am much older, retired, and I have no idea if these credit agencies have access to my health records . . . that would be a good thing to find out. However, I think all of that probably factors in also.

No and why would they? However, unpaid medicals bills that end up in collection can show on your report if that collection agency reports the debt.

because credit cards are no different than a loan... plus they are insecured credit... they want to know as much about you as possible to see if anything could affect your paying them back. Companies have access to everything... they just pay for it. So next time you fill out one of those health histories at your doctor... and tell them everything... know that what they tell you is private is NOT PRIVATE AT ALL.

Your private Information is sold on the open market like stocks.

gazelle....she asked if her Health Records were on file at the credit bureau....NO THEY ARE NOT!....your health records are protected by HIPPA!

OK. Believe what makes you comfortable. No problem...

I will find out when I call them, which I will do right now.

No one is going to admit that this is going on... under the guise of privacy. I guess what I am saying is that NOTHING is private anymore. I do not care what anyone says.

[straykatz]

On 3/27/2014 gazelle77 said:

On 3/27/2014 straykatz said:

On 3/27/2014 gazelle77 said:

On 3/27/2014 straykatz said:

On 3/27/2014 Ford1224 said:

On 3/27/2014 gazelle77 said:

Yes- it is kind of confusing... you can have too much credit and look bad, or not have enough or any and look bad. Having a good income does not hurt. Owing a lot on your cards even if you pay on time can really knock your score down. Better to have just a few cards, not have too high a limit on each card, and not owe a lot on those cards.

Many years ago while I was still working and making good money, my scores were always excellent, over 800. I never had a problem getting a mortgage or buying a car, etc. I also had about eight or ten cards which I always paid more than the minimum payment. So I was handling my debt well, but I had a lot more debt then than I do now.

I now have only three cards with very low balances. However, I am much older, retired, and I have no idea if these credit agencies have access to my health records . . . that would be a good thing to find out. However, I think all of that probably factors in also.

No and why would they? However, unpaid medicals bills that end up in collection can show on your report if that collection agency reports the debt.

because credit cards are no different than a loan... plus they are insecured credit... they want to know as much about you as possible to see if anything could affect your paying them back. Companies have access to everything... they just pay for it. So next time you fill out one of those health histories at your doctor... and tell them everything... know that what they tell you is private is NOT PRIVATE AT ALL.

Your private Information is sold on the open market like stocks.

gazelle....she asked if her Health Records were on file at the credit bureau....NO THEY ARE NOT!....your health records are protected by HIPPA!

OK. Believe what makes you comfortable. No problem...

I don't need to just believe what makes me comfortable because I worked at Experian and have a lot of knowledge about the credit industry both from working there and previously from working for a major auto loan lender.

[gazelle77]

On 3/27/2014 straykatz said:

On 3/27/2014 gazelle77 said:

On 3/27/2014 straykatz said:

On 3/27/2014 gazelle77 said:

On 3/27/2014 straykatz said:

On 3/27/2014 Ford1224 said:

On 3/27/2014 gazelle77 said:

Yes- it is kind of confusing... you can have too much credit and look bad, or not have enough or any and look bad. Having a good income does not hurt. Owing a lot on your cards even if you pay on time can really knock your score down. Better to have just a few cards, not have too high a limit on each card, and not owe a lot on those cards.

Many years ago while I was still working and making good money, my scores were always excellent, over 800. I never had a problem getting a mortgage or buying a car, etc. I also had about eight or ten cards which I always paid more than the minimum payment. So I was handling my debt well, but I had a lot more debt then than I do now.

I now have only three cards with very low balances. However, I am much older, retired, and I have no idea if these credit agencies have access to my health records . . . that would be a good thing to find out. However, I think all of that probably factors in also.

No and why would they? However, unpaid medicals bills that end up in collection can show on your report if that collection agency reports the debt.

because credit cards are no different than a loan... plus they are insecured credit... they want to know as much about you as possible to see if anything could affect your paying them back. Companies have access to everything... they just pay for it. So next time you fill out one of those health histories at your doctor... and tell them everything... know that what they tell you is private is NOT PRIVATE AT ALL.

Your private Information is sold on the open market like stocks.

gazelle....she asked if her Health Records were on file at the credit bureau....NO THEY ARE NOT!....your health records are protected by HIPPA!

OK. Believe what makes you comfortable. No problem...

I don't need to just believe what makes me comfortable because I worked at Experian and have a lot of knowledge about the credit industry both from working there and previously from working for a major auto loan lender.

O.K.