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yeah....I'm just saying that I know of what I speak. Not that you don't. retaining a small balance is relatively irrelevant. pattern of payments made on time, and available credit on an account that has been at a high point at some time is a helpful formula.
also....when you said that taking credit advice from people that have bad credit steams you.....that's kind of like not taking advice from a doctor that's been sick.
Some times, people have to make choices about what bills they can pay.......credit ratings can suffer as a result. It doesn't mean they don't understand how it all works.
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This body holding me reminds me of my own mortality
Embrace this moment, remember
We are eternal, all this pain is an illusion ~MJKeenan
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