Posted by Ultradog MN on January 11, 2020 at 16:09:52 from (172.58.86.140):
My wife and I opened a joint checking account last week. It'll just be for household bills and the like and I'm going to apply for Social Security soon and will have it sent there. We still have our own individual accounts. The bank ran a credit report on both of us. I hadn't gotten my credit score in 12 years or more so was rather surprised that I scored so high. What is interesting is how they dock you for the wrong things. - Not enough revolving accounts. - Not enough mortgage experience (I only have 2 mortgages and have had about 8 of them in my life) - Too few installment accounts. - Too few credit card accounts and not much for balances on them.
I guess if you live within your means and don't go into hock everywhere you get pegged as less than a perfect credit risk. I do know how it works, that you need to show Some credit history - to get credit. But in my world that just doesn't seem to add up.
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Today's Featured Article - Third Brush Generators - by Chris Pratt. While I love straightening sheet metal, cleaning, and painting old tractors, I use every excuse to avoid working on the on the electrics. I find the whole process sheer mystery. I have picked up and attempted to read every auto and farm electrics book with no improvement in the situation. They all seem to start with a chapter entitled "Theory of Electricity". After a few paragraphs I usually close the book and go back to banging out dents. A good friend and I were recently discussing our tractor electrical systems when he stated "I figure it all comes back to applying Ohms Law". At this point
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