Comments on: living without a credit score http://www.livingalmostlarge.com/2008/10/08/living-without-a-credit-score/ Trying to live large ...one step at a time Thu, 18 Mar 2010 14:57:04 +0000 http://wordpress.org/?v=2.9.2 hourly 1 By: Weekly Carnivals and Roundup | LivingAlmostLarge http://www.livingalmostlarge.com/2008/10/08/living-without-a-credit-score/comment-page-1/#comment-3685 Weekly Carnivals and Roundup | LivingAlmostLarge Fri, 17 Oct 2008 16:02:23 +0000 http://www.livingalmostlarge.com/?p=1368#comment-3685 [...] 20th Finance Fiesta, Editor’s Choice - “Living Without a Credit Score“ [...] [...] 20th Finance Fiesta, Editor’s Choice – “Living Without a Credit Score“ [...]

]]> By: Finance Fiesta: Financial Secrets Revealed — Broke Grad Student http://www.livingalmostlarge.com/2008/10/08/living-without-a-credit-score/comment-page-1/#comment-3683 Finance Fiesta: Financial Secrets Revealed — Broke Grad Student Thu, 16 Oct 2008 11:03:51 +0000 http://www.livingalmostlarge.com/?p=1368#comment-3683 [...] LivingAlmostLarge discusses some of the obstacles immigrants face after coming to the U.S. and living without a credit score. [...] [...] LivingAlmostLarge discusses some of the obstacles immigrants face after coming to the U.S. and living without a credit score. [...]

]]> By: LivingAlmostLarge http://www.livingalmostlarge.com/2008/10/08/living-without-a-credit-score/comment-page-1/#comment-3684 LivingAlmostLarge Fri, 10 Oct 2008 00:38:44 +0000 http://www.livingalmostlarge.com/?p=1368#comment-3684 It's easier to move when you are a student in some ways. But you have a lot less money! It’s easier to move when you are a student in some ways. But you have a lot less money!

]]> By: The Wallet : Loose Change: 10/9/08 http://www.livingalmostlarge.com/2008/10/08/living-without-a-credit-score/comment-page-1/#comment-3681 The Wallet : Loose Change: 10/9/08 Thu, 09 Oct 2008 14:32:17 +0000 http://www.livingalmostlarge.com/?p=1368#comment-3681 [...] Personal Finance: -Tis the season for open enrollment and you might have to pay more out of pocket this year than in the past. [WSJ] -Your instinct to put all your money in cash is understandable, but perhaps not the best one to follow. [NY Times] -An exploration of what life is like without a credit score. [LivingAlmostLarge] [...] [...] Personal Finance: -Tis the season for open enrollment and you might have to pay more out of pocket this year than in the past. [WSJ] -Your instinct to put all your money in cash is understandable, but perhaps not the best one to follow. [NY Times] -An exploration of what life is like without a credit score. [LivingAlmostLarge] [...]

]]> By: Fabulously Broke http://www.livingalmostlarge.com/2008/10/08/living-without-a-credit-score/comment-page-1/#comment-3680 Fabulously Broke Thu, 09 Oct 2008 13:33:51 +0000 http://www.livingalmostlarge.com/?p=1368#comment-3680 That's really cool to know. I was just getting worried since I may be in the States soon, but I have a credit score which will improve dramatically after I clear this debt. Thanks :) That’s really cool to know. I was just getting worried since I may be in the States soon, but I have a credit score which will improve dramatically after I clear this debt.

Thanks :)

]]> By: twenties money http://www.livingalmostlarge.com/2008/10/08/living-without-a-credit-score/comment-page-1/#comment-3682 twenties money Thu, 09 Oct 2008 12:23:28 +0000 http://www.livingalmostlarge.com/?p=1368#comment-3682 This is one of the biggest grievances I had when reading the dave ramsey total money make over book. I constantly thought to myself how it would be possible to neglect the credit score and not even use credit. I think our society has backed ourselves into a corner where credit has become such an integral part of our lifes we can barely live without it. This is one of the biggest grievances I had when reading the dave ramsey total money make over book. I constantly thought to myself how it would be possible to neglect the credit score and not even use credit. I think our society has backed ourselves into a corner where credit has become such an integral part of our lifes we can barely live without it.

]]> By: LivingAlmostLarge http://www.livingalmostlarge.com/2008/10/08/living-without-a-credit-score/comment-page-1/#comment-3679 LivingAlmostLarge Wed, 08 Oct 2008 16:27:31 +0000 http://www.livingalmostlarge.com/?p=1368#comment-3679 He sort of had a Canadian credit score but not really. Realize he lived at home for most of his life except for 1 year. And during that year he did not rent an apartment but sublet rooms in homes. He did not buy a car or ever pay utilities. He had one credit card cosigned by his mom so it was not really his score. It was a card from her. He had a CBC checking account but her name was on it. He hadn't really grown up. I am not justifying it, just explaining what happened. He grew up a lot by leaving home and being completely on his own. Having to do things like get a SS card, get a credit card, get his own bank account, etc. Also Canadian credit scoring is more lenient if you don't have a score. The US would rather have a bad score than no score. It's a weird system. Yep fortunately we set up my BIL before this mess, because he was even worse off than my DH. He had never lived away from home or paid a bill or written a check. I did everything from scratch with him. My DH had no patience. He's very thrifty and detail oriented. And still calls me if he's getting a good deal! :P His only mistake? Cosigning a car loan in canada. But that is another story! He sort of had a Canadian credit score but not really. Realize he lived at home for most of his life except for 1 year. And during that year he did not rent an apartment but sublet rooms in homes. He did not buy a car or ever pay utilities.

He had one credit card cosigned by his mom so it was not really his score. It was a card from her. He had a CBC checking account but her name was on it.

He hadn’t really grown up. I am not justifying it, just explaining what happened. He grew up a lot by leaving home and being completely on his own. Having to do things like get a SS card, get a credit card, get his own bank account, etc.

Also Canadian credit scoring is more lenient if you don’t have a score. The US would rather have a bad score than no score. It’s a weird system.

Yep fortunately we set up my BIL before this mess, because he was even worse off than my DH. He had never lived away from home or paid a bill or written a check. I did everything from scratch with him. My DH had no patience. He’s very thrifty and detail oriented. And still calls me if he’s getting a good deal! :P

His only mistake? Cosigning a car loan in canada. But that is another story!

]]> By: MyMoneyYourMoney.com http://www.livingalmostlarge.com/2008/10/08/living-without-a-credit-score/comment-page-1/#comment-3678 MyMoneyYourMoney.com Wed, 08 Oct 2008 16:09:18 +0000 http://www.livingalmostlarge.com/?p=1368#comment-3678 very well written. I am sure its been difficult time here in US for new immigrant. As far as I remember, few years back, things were not so tough. Anyway, time is changed and "cash is king" so who cares about credit? Keep up good work! very well written. I am sure its been difficult time here in US for new immigrant. As far as I remember, few years back, things were not so tough. Anyway, time is changed and “cash is king” so who cares about credit?

Keep up good work!

]]> By: Fabulously Broke http://www.livingalmostlarge.com/2008/10/08/living-without-a-credit-score/comment-page-1/#comment-3677 Fabulously Broke Wed, 08 Oct 2008 15:54:52 +0000 http://www.livingalmostlarge.com/?p=1368#comment-3677 But when DH got to the U.S. he didn't have a Canadian credit score? BF went through the same thing coming into Canada. No credit score whatsoever, no debt, so they ended up putting him at the highest credit score possible because it was almost incredible to them that someone could've gone through life strictly on CASH. Hah. But when DH got to the U.S. he didn’t have a Canadian credit score?

BF went through the same thing coming into Canada. No credit score whatsoever, no debt, so they ended up putting him at the highest credit score possible because it was almost incredible to them that someone could’ve gone through life strictly on CASH. Hah.

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