Comments on: Credit Score 742: The United States finally welcomes me (and my money) http://kierenmccarthy.co.uk/2008/08/11/credit-score-742-the-united-states-finally-welcomes-me-and-my-money/ An infuriatingly infrequently updated reflection on the Internet, the US, and life in general Sat, 13 Feb 2010 07:16:55 +0000 http://wordpress.org/?v=2.9.1 hourly 1 By: Kieren http://kierenmccarthy.co.uk/2008/08/11/credit-score-742-the-united-states-finally-welcomes-me-and-my-money/comment-page-1/#comment-337757 Kieren Mon, 13 Oct 2008 19:07:18 +0000 http://kierenmccarthy.co.uk/2008/08/11/credit-score-742-the-united-states-finally-welcomes-me-and-my-money/#comment-337757 Ach, I hate utility bills. I had to PAY Time Warner $50 to install cable to my house so that I could pay them far too much every month. They wouldn't come without the $50 because at the time I had no credit rating. Actually I've been meaning to update this page for a while. My super-rating of 729 was a very temporary blip it seems. With a fortnight of writing this post it nosedived to 669. And now it stands at 629. Not that it makes any different with the economy in the current state it is in. but it is worth noting that this credit score thing takes even longer than I thought. I think part of the problem may be that as soon as I got a credit score, I got a normal, unsecured credit card from my bank, cancelled the secured card and got my money back. Until I have at least three months of payments on my new card, it seems that I am in credit limbo. Stupid system. Kieren Ach, I hate utility bills. I had to PAY Time Warner $50 to install cable to my house so that I could pay them far too much every month. They wouldn’t come without the $50 because at the time I had no credit rating.

Actually I’ve been meaning to update this page for a while. My super-rating of 729 was a very temporary blip it seems. With a fortnight of writing this post it nosedived to 669. And now it stands at 629.

Not that it makes any different with the economy in the current state it is in. but it is worth noting that this credit score thing takes even longer than I thought.

I think part of the problem may be that as soon as I got a credit score, I got a normal, unsecured credit card from my bank, cancelled the secured card and got my money back. Until I have at least three months of payments on my new card, it seems that I am in credit limbo.

Stupid system.

Kieren

]]> By: Peter http://kierenmccarthy.co.uk/2008/08/11/credit-score-742-the-united-states-finally-welcomes-me-and-my-money/comment-page-1/#comment-337747 Peter Mon, 13 Oct 2008 18:53:51 +0000 http://kierenmccarthy.co.uk/2008/08/11/credit-score-742-the-united-states-finally-welcomes-me-and-my-money/#comment-337747 We arrived in the USA this August and have been through exactly that rigrmarole. We also found that it was relatively easy to rent a house, but impossible to get utilities connected because we have no credit rating. Oh and by the way; one way of building a credit rating is to pay utility bills promptly! We arrived in the USA this August and have been through exactly that rigrmarole. We also found that it was relatively easy to rent a house, but impossible to get utilities connected because we have no credit rating. Oh and by the way; one way of building a credit rating is to pay utility bills promptly!

]]> By: Tina http://kierenmccarthy.co.uk/2008/08/11/credit-score-742-the-united-states-finally-welcomes-me-and-my-money/comment-page-1/#comment-320953 Tina Fri, 22 Aug 2008 03:23:46 +0000 http://kierenmccarthy.co.uk/2008/08/11/credit-score-742-the-united-states-finally-welcomes-me-and-my-money/#comment-320953 LOL hahahahaha oh my gosh this posting made my day. So funny to read. I have been in the US for 5 years but still remember the exact details as you decsribe :)) Patrick - I actually did open a bank account with my passport and some $. But they only allow for a debit card (which you can use as a credit card, but does not build up credit score...).... LOL hahahahaha oh my gosh this posting made my day. So funny to read. I have been in the US for 5 years but still remember the exact details as you decsribe :) )

Patrick – I actually did open a bank account with my passport and some $. But they only allow for a debit card (which you can use as a credit card, but does not build up credit score…)….

]]> By: Patrick http://kierenmccarthy.co.uk/2008/08/11/credit-score-742-the-united-states-finally-welcomes-me-and-my-money/comment-page-1/#comment-316041 Patrick Mon, 11 Aug 2008 17:51:24 +0000 http://kierenmccarthy.co.uk/2008/08/11/credit-score-742-the-united-states-finally-welcomes-me-and-my-money/#comment-316041 Fascinating. I myself thought of opening a checking account in the US the next time I would be over there. I naively thought a valid passport and some cash deposit would suffice. Looks like the US banking system outperforms the European one in bureaucracy. Fascinating. I myself thought of opening a checking account in the US the next time I would be over there. I naively thought a valid passport and some cash deposit would suffice. Looks like the US banking system outperforms the European one in bureaucracy.

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