Do People Actually Pay This?

[GMScud]

Originally Posted by firstdown

If your buying a house you better watch switching from card to card to get 0 interest. Those credit checks for those cards drop your credit score. You should also get a copy of your credit history and make sure you don't have any open credit cards you thought where closed and close out any you don't need or use.

I don't jump from card too very often. I've done it once or twice a year for the last 4-5 years. We only have 4 total credit cards (one of which is a store card). The only way credit inquiries can drag down your score is if you have several in a very small window of time.

I really learned a lot about credit during my stint as a mortgage broker prior to the housing bubble bursting. One of my best friends is still in the industry, and he has access to credit software for work. Any time I want to look at our detailed credit report, I just give him $15 for the fee, and he can pull it for me.