Getting rid of credit inquiries on report

wheelsup said:
I've never seen a dealer take a CC for an entire car's purchase. A down payment, yes, but not the whole car.
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What did that have to do with what I said?

I actually did pay for part of a car on the credit card when my checkbook fell out of my folder I was bringing to the dealership. Still got the same great price.
 
wheelsup said:
Next time he should save the 3% fee and negotiate that savings into the car price and pay cash.
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Paying cash for everything is overrated. JMHO. As long as you are responsible with spending, it doesn't make any difference and there are incentives with cards that give you a return on your investment.
 
Avgirl said:
Paying cash for everything is overrated. JMHO. As long as you are responsible with spending, it doesn't make any difference and there are incentives with cards that give you a return on your investment.
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Absolutely. We charge all of our everyday expenses to our card. However look at the OP, taking big credit hits to shop for a loan that could end up costing him thousands in interest due to higher rates. Or people that take hits to get a cell phone. Just crazy.
 
wheelsup said:
Absolutely. We charge all of our everyday expenses to our card. However look at the OP, taking big credit hits to shop for a loan that could end up costing him thousands in interest due to higher rates. Or people that take hits to get a cell phone. Just crazy.
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That seems to depend on your overall credit and the timing of the inquiries. Because, oddly enough I just moved into an apartment and their credit check, the electric company check, and internet company check were all counted as one. AT&T knows I will never leave them, so I won't ever have a credit check from a cell phone carrier ever again. ;)
 
Avgirl said:
This girl is not giving up her unlimited texting and data. :D If I go to another carrier, that won't be the case. Besides, isn't Cricket technically AT&T?
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That's exactly why I mentioned it. Att towers for cheap prices.
 
elmetal said:
That's exactly why I mentioned it. Att towers for cheap prices.
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I wish. Honestly, my cell phone is the bill I really wish I could cut. When, I look at my budget daily on Mint, and see where all the money is going, that definitely stands out.
 
Avgirl said:
I wish. Honestly, my cell phone is the bill I really wish I could cut. When, I look at my budget daily on Mint, and see where all the money is going, that definitely stands out.
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Why not switch yours and not the unlimited internet?

45 bucks all in a month for 5gb. Satisfies me. 35 if you can make do with 2.5
 
elmetal said:
Why not switch yours and not the unlimited internet?

45 bucks all in a month for 5gb. Satisfies me. 35 if you can make do with 2.5
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The 10GB plan would be sufficient, but after all the additional charges, etc. the plan that I have with AT&T because of a corporate discount is nearly the same. It looks like it would be only $2 cheaper a month to move to Cricket. Probably not worth it.
 
Project Fi seems like a great service. I'm still trying to pull the death grip from my wife's iPhone to save $40 a month.
 
Cessnaflyer said:
Project Fi seems like a great service. I'm still trying to pull the death grip from my wife's iPhone to save $40 a month.
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I haven't heard of that before...will definitely look at it. Good to know I am not alone with that death grip! :bounce:
 
Don't forget to factor in with cricket you get 10 off a month for second line 20 off third line etc.
So for example 2 lines at 5gb, is 50+40 taxes and fees all included.

They do a 5 dollar discount for autopay, but you can't get the autopay discount and the second line 10 off discount at the same time so for 2 lines it's 90 bucks. Projectfi is fantastic for lower dash users.
 
elmetal said:
Don't forget to factor in with cricket you get 10 off a month for second line 20 off third line etc.
So for example 2 lines at 5gb, is 50+40 taxes and fees all included.

They do a 5 dollar discount for autopay, but you can't get the autopay discount and the second line 10 off discount at the same time so for 2 lines it's 90 bucks. Projectfi is fantastic for lower dash users.
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I think that Cricket should at the very least give you a free month of service for your loyalty! :D
 
Lol. I actually just switched from anoter mvno in July due to some good transfer deals, 3 free months. And 50 dollar Amazon gift card. That's the beauty of mvnos. You just hoparound since I only use att mvnos, grab the best deals, no contract. Bam
 
Total Wireless is a good Verizon MVNO option. $62/month for two lines after taxes. Unlimited talk/text and 8gb of shared data. I switched at the beginning of July, so going on two months now. Got a brand new iPhone 5S from WalMart for $149 as well. Unlocked after 12 months usage, can bring to any carrier here with the antennas it has.

It does pain me to even pay $31/month each for cell service, eventually I hope to get that down further. It's incredible what "we" collectively spend as a nation on just a cell phone.
 
wheelsup said:
Total Wireless is a good Verizon MVNO option. $62/month for two lines after taxes. Unlimited talk/text and 8gb of shared data. I switched at the beginning of July, so going on two months now. Got a brand new iPhone 5S from WalMart for $149 as well. Unlocked after 12 months usage, can bring to any carrier here with the antennas it has.

It does pain me to even pay $31/month each for cell service, eventually I hope to get that down further. It's incredible what "we" collectively spend as a nation on just a cell phone.
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absolutely agree. take it to britain, france or spain and they most people here would be flabbergasted how cheap wireless service can be (or how ridiculous r*ped we are)

if you do plan to bring that phone to a GSM carrier just know that you will be limited in LTE/3g usage. it does have the antennae, but the LTE bands you have on that will not work fully on ATT towers. just for future reference. 3G will be fine though.

that's a nice MVNO deal for verizon! nice!
 
NovemberEcho said:
I have/make plenty of money. The only thing lowering my score, at least according to credit karma, is the high amount of credit inquiries.
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Didn't you say you are carrying a balance on your credit cards? If you have plenty of money, go buy a car with cash and don't worry about what your credit score is. Seriously, a credit score has no correlation to wealth. Being deeply in debt has a direct correlation to negative wealth.
 
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