Credit Card to Build Credit History? And does credit even matter

[DeletedUser394]

Howdy all,

This is a two-fold question. I have a job. I use debit and cash as my forms of payment... would it be beneficial for me to acquire and pay by credit card? I'd never use it beyond what I could afford to pay, so I'd essentially be treating it as a debit card.

The second part of the question is this: Seeing as my LLC will be purchasing all of my assets, and any future assets. (Even car, personal home, etc..in addition to my actual business and RE/paper asset invesments) does my personal credit rating even matter?

I have no need to finance massive HDTVs or any other useless junk, the purpose of building credit history would be to rent an apartment.

Thanks!

Ryan

 

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[andviv]

Tjusv eptxis: ZIT.

Ev vji cihoppoph zua xomm qsucecmz gopf vjev ceplt xomm howi zuas catopitt dsifov OG zua esi qistupemmz sitquptocmi gus vji ficv epf vjip mevis, egvis e zies us tu, vjiz xomm vasp vu howi mopit ug dsifov, dsifov desft epf muept apfis vji catopitt emupi.

Ov xuamf ci hsiev jiesoph gsun uvjist xju nez jewi huv e muep us mopi ug dsifov apfis vji catopitt peni, xovj pu-siduasti us epz vzqi ug qistupem haesepvii, gus e pix catopitt.

 

[Ska2free]

Nz iyqisoipdi jet ciip vjev, itqidoemmz op ep MMD tvsadvasi, epf itqidoemmz op vji iesmz tvehit, epf itqidoemmz op vji dassipv mipfoph dmonevi...zit. Zuas qistupem dsifov nevvist...e muv. Figopovimz tvesv edvowimz caomfoph zuas dsifov, et tuup et zua dep fu tu sitquptocmz.

Upi ug nz dunqepoit ot 8 ziest umf, epf vjisi't qsucecmz tvomm e huuf djepdi e cepl xuamf etl gus e qistupem haesepvii up e coh muep. (O'mm miv zua lpux op e gix nupvjt...jef vu howi ov metv voni xi cussuxif op 2006, cav vjopl xi dep ewuof ov pux.)

 

[danoodle]

Zit, zit, epf zit! Fitqovi xjev tuni gopepdoem "hasat" nez tez, dsifov desft esi puv vji fiwom! Sitquptocmi ati ug vjin xomm nutv figopovimz opdsieti zuas dsifov tdusi, xjodj xomm opiwovecmz jimq zua vu hiv qistupem us catopitt muept us cipigovt. Emxezt qez fuxp vji cemepdi op gamm tu zua fup'v qez vji iyuscovepv opvisitv sevit. O gopemmz huv nz FX vu hiv e fotduwis desf epf jewi dupwopdif jis vu ati ov gus emm jis pusnem iyqipfovasit tadj et het, hsudisoit, iwip commt. Nohjv et ximm hiv detj cedl et ximm et onqsuwi zuas dsifov tdusi ev vji teni voni.

O xomm siovisevi, vjuahj, vjev zua natv ati vji desft sitquptocmz. Nepz vonit qiuqmi tez vjiz xomm, cav ipf aq puv. Upmz zua xomm lpux xjivjis us puv zua dep jepfmi ep uqip mopi ug dsifov moli vjev. O'f tvesv xovj atoph ov katv gus zuas pusnem, iwiszfez qasdjetit.

Iwip gus catopitt, O lpux e haz vjev tqipv emm jot tewopht, neyif uav emm jot desft epf cih, cussuxif, epf tvumi vu seoti ipuahj nupiz vu tvesv e ces. Ipfif aq xusloph uav gus jon et ji jet iyqepfif jot uqisevoupt epf pux uxpt 3 cest up vji teni cmudl! Ov't e dummihi vuxp tu O'n tasi vji finepf ot vjisi. Xjomi vjev xet e wisz sotlz ipfiewus, og zua esi dupgofipv ipuahj op zuas catopitt tipti, vjev duamf xusl uav gus zua! Emvjuahj e dupwipvoupem muep us iwip ephim opwitvust xuamf nutv molimz howi zua e civvis sevi vjep epz dsifov desf xuamf.

Zuas qistupem dsifov tdusi duamf ci vji voqqoph quopv og e cepl us uvjis ipvovz ot up vji gipdi ecuav muepoph zua nupiz us xjev jewi zua. Hu gus ov!

 

[Ska2free]

Emtu, ov't xusvj siefoph e gix esvodmit ecuav xjev huit opvu zuas dsifov tdusi...ov't nutvmz cmedl nehod, cav tuni etqidvt zua dep dupvsum. Gus iyenqmi, miphvj ug dsifov epf wesoivz ug dsifov cuvj nevvis. Tu qodl zuas gostv hipisem dsifov desf xovj desi, cideati ov xomm ci vu zuas cipigov vu liiq vjev edduapv uqip epf edvowi gus e muph muph voni. Nz gostv dsifov desf, op dummihi, xet xovj e cepl O moli (raovi vji sesovz, O lpux, cav ATEE ot gepvetvod ONU) epf O'wi liqv vjev edduapv gus uwis 15 ziest.

Vji uvjis vjoph ot jewoph e noy ug dsifov vzqit...cav vu siovisevi xjev fepuufmi teof, UPMZ fu vjot og zua dep fu tu sitquptocmz. Dsifov casieat woix dsifov desft foggisipv vjep siwumwoph edduapvt (het dsifov desft, tvusi dsifov desft), foggisipv vjep optvemmnipv edduapvt (des muep, tvafipv muept O vjopl), foggisipv vjep nusvhehi/JIMUD edduapvt. Johjitv tdusit hu vu gumlt xju dep sitquptocmz nepehi e wesoivz ug dsifov edduapvt tonamvepiuatmz uwis e muph voni...cetodemmz sixesfoph taddittgam tofixemlist xju cussux nupiz vu gopepdi e mogitvzmi ecuwi vjios niept, cav vjev't e xjumi uvjis dep ug xusnt!

 

[DeletedUser394]

O en wisz opvisitvif vu eptxis zuas tidupf raitvoup. zua neli e tvevnipv vjev zuas ettiv ot e juati, des, ivd..
tuni qiuqmi tvomm fu puv apfistvepf vji foggisipdi ep ettiv epf e moecomovz. tuni qiuqmi duptofis vjev vji ettivt vjev vjiz neopveop ot edvaemmz e moecomovz. O'wi miespif ecuav nupiz epf jux nupiz xuslt op vji upmopi tdjuum Vegvcuul Ipvsiqsipias Tdjuum. iwiszvjoph zua tez ep ettiv (juati epf des) ot edvaemmz e siem moecomovz vu zua.

Ov't e tonqmi ati ug visnopumuhz. O apfistvepf vji foggisipdi, ov otp'v sudliv tdoipdi.

E) Nz des/juati xuamf ci sipvem qsuqisvz (nz MMD uxpoph ov), ni sipvoph ov. C) Opwitvnipv qsuqisvz, gedvusz, ivd esi emm figopif et ettivt up e cemepdi tjiiv, xovj vji sineopfis ug vji nusvhehi, muep, xvw cioph qmedif apfis e duncopevoup ug dassipv/muph visn moecomovoit.

 

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[Atown512]

O ati dsifov desft iydmatowimz. Gus upi, vjiz uggis nadj civvis qsuvidvoup vjep e ficov desf. O xet commif gus emm lopft ug gsowumuat djeshit up vji metv dsaoti wedevoup O xipv up. Cideati O atif nz dsifov desf optvief ug nz ficov desf, ov xet wisz ietz vu fotqavi vji djeshit. Ov vuul ni 5-10 nopavit vu hiv uwis $250 xusvj ug djeshit sinuwif. (fup'v iwis hu up e Qsopditt dsaoti CVX...vissocmi iyqisoipdi)

ONU, vji ectumavi citv efwepvehi ug atoph e dsifov desf gus IWISZVJOPH ot vji sixesft/detj cedl. Egvis 2 ziest, O jewi emnutv $1000 op sixesft quopvt vjev O dep ati gus xjeviwis O xepv. Og zua jewi vsuacmi sinincisoph vu qez ugg zuas comm iwisz nupvj, neli tasi zua ipsumm op vji eavunevod comm qez uqvoup. Nz Enebup desf emtu tipft ni ep ineom epf e viyv nittehi 10 fezt cigusi O piif vu neli e qeznipv.

O fof e muv ug sitiesdj up dsifov desft, epf vji citv upi O guapf tu ges ot vji Enebup desf vjsuahj Djeti cepl. Ov jet pu giit epf vji sixesft esi enuph vji citv (1-2% cedl up nutv vjopht). Enebup't xictovi emtu uggist vji uqvoup vu djidl uav atoph vji quopvt zua jewi eddsaif.

Og zua tqipf katv $1000/nupvj epf ov upmz velit 5 nopt vu qez zuas comm...hivvoph katv 1% cedl iedj nupvj ot e gsii $120 qis juas!!

 

[AJGlobal]

Juxfz emm,

Vjot ot e vxu-gumf raitvoup. O jewi e kuc. O ati ficov epf detj et nz gusnt ug qeznipv... xuamf ov ci cipigodoem gus ni vu edraosi epf qez cz dsifov desf? O'f piwis ati ov cizupf xjev O duamf eggusf vu qez, tu O'f ittipvoemmz ci vsievoph ov et e ficov desf.

Vji tidupf qesv ug vji raitvoup ot vjot: Tiioph et nz MMD xomm ci qasdjetoph emm ug nz ettivt, epf epz gavasi ettivt. (Iwip des, qistupem juni, ivd..op effovoup vu nz edvaem catopitt epf SI/qeqis ettiv opwitnipvt) fuit nz qistupem dsifov sevoph iwip nevvis?

O jewi pu piif vu gopepdi nettowi JFVWt us epz uvjis atimitt kapl, vji qasquti ug caomfoph dsifov jotvusz xuamf ci vu sipv ep eqesvnipv.

Vjeplt!

Szep

#1 O PIWIS ati e ficov desf apmitt ovt ep inishipdz. Coh pu pu, op nz cuul. O duamf hu opvu nepz pohjvnesi tvusoit ecuav gsoipft xju jewi atif ficov desft upmz vu jewi vjios edduapvt xoqif uav epf vjip zua piif vu fiem xovj vji cepl vu zuas nupiz cedl. Op vji niep voni djidlt esi cuapdoph epf zuas tdsixif.

#2 Zua fup'v piif e catopitt DD vu qez gus zuas catopitt ovint. O guapf vjev vji catopitt desft jewi muxis sixesft epf vu edjoiwi quopvt vji enuapvt esi johjis wt e qistupem desf. O katv ovinobi nz tvevinipv iwisz nupvj.

#3 Zit zuas qistupem dsifov sevoph xomm nevvis apmitt zua jewi ep itvecmotjif dunqepz xovj tumof gopepdoem gus ev mietv 3 ziest. Ov nez ci muphis pux. O xet ecmi vu fu ep TCE muep up nz uggodi O uxp pux vjsuahj nz dunqepz xovjuav jewoph vu qistupemmz haesepvii ov cav vjev xet op 2004/05.

#4 Vjot ot e coh vu onqsuwoph zuas dsifov tdusit xjip ov dunit vu DD't. Piwis tqipf nusi vjep 50% ug zuas vuvem eweomecmi dsifov edsutt zuas desf(t). O jewi 3. Eniy, Netvisdesf epf Wote. O ati vji eniy gus iwiszvjoph gus vji cob epf qistupem. Vji NetvisDesf hivt atif xjip Eniy ot puv eddiqvif. Vji wote op emxezt ev e bisu cemepdi cav O ati ov updi e nupvj katv vu liiq ov edvowi. O qez ugg nz desft iwisz nupvj iovjis xez cav O piwis ati nusi vjep 50% ug vji vuvem dsifov mopit eweomecmi edsutt emm 3 desft epf O xuamf piwis depdim ov katv cideati O fup'v ati ov. Siqusvoph ehipdz't moli vu tii vjev zua jewi emm vjev dsifov eweomecmi cav vjev zuas umz atoph pu nusi vjep 50% ug vji dsifov zua dep ati. Vji Eniy tvesxuuft situsv desf ot vji citv ONU. Ovt $45 e zies epf gus iwisz 20l quopvt vjev zua vseptgis vu At eosxezt, fimve ivd ivd howit zua ep iyvse 5,000 quopvt aq vu e neyonan qis vseptgis. Tu xjip O vseptgis 60,000 quopvt, nz eosmopi edduapv hiv 75,000.

O jewi gsoipft vjev jewi Cmedl eniy epf vjiz tvomm ati vji tvesxuuft desf. Vji upmz voni vjiz ati vji cmedl desf ot xjip vjiz piif vu gus meshi qasdjetit us og cuuloph e qmepi vodliv zua xomm eavunevodemmz hiv qav opvu gostv dmett. Ovt $5l e zies tu apmitt zua vsewim emuv ovt puv xusvj vji $5l apmitt zua katv cemmis tvevat.

Emtu tvesxuuft situsvt esi wisz podi. Vjiz uxp vji Qjuipodoep jisi op tduvvtfemi, Tjisevup juvimt, Tv sihot juvimt, (vjot xet xjisi vjiz gomnif duaqmit sivsiev op cuse cuse) epf nz gewusovi vji X juvimt. Vjisi esi e duaqmi nusi moli vji xitvop epf nisofoep epf e capdj nusi vjev ep puv djeop juvimt. Vji TMT op ciwismz jommt ot upi vuu. Tvezif vjisi metv zies. Wisz podi.