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Ed Pawlowski

On 5/14/2017 4:06 AM, wrote:

My house is paid off and has been for years. My old beater truck was paid off 10 years ago. I carry very little personal credit and actually only have one personal credit card. When I checked my credit scores a couple of years ago, they were disappointingly low. I called the clearing house (TransUnion of Equifax) and they told me that it wasn't that I had bad credit, it was that I didn't have ANY credit history of recent vintage. My training in credit services was ringing in my ears. "The prospective client must be able to demonstrate the ability to repay along with a current and active history of timely repayment".

My wife has a credit card in her name and gets offers for more. She has
worked about 6 months in the past 51 years and has a credit score of 830.