That only works if the odds of heads or tails are 50/50, in which case you can just do one flip.

“No, I think Chase uses it as an excuse to charge higher interest rates.”

If it’s on your credit reports, you can challenge it with the credit reporting agencies.  Your landlord can tell you if they reported the eviction attempt to any of the tenant screening companies, and you can challenge it with them. 

The vast majority of people don’t.

They both matter, although total utilization is more important. 

Contact the CFPB.  

That’s a really unusual card, what bank was this?

So, you think that (for example) Chase knows that customers’ risk is being overstated by credit scoring, and says “hey, we’re passing up attractive customers, but no biggie”?

“60 months is too long a term for an auto loan, period.”

“I am pretty anxious to get something new after the first 12 to 18 months anyway. “

1. Inflation-adjusted incomes are well above 2008 levels. (https://qz.com/1075337/median-household-income-in-the-us-last-year-rose-to-59039/)

So what if you were underwater? You’d have an extra $14,500 in the bank.

If it lowers your available credit a lot, so that your utilization goes up, it can hurt your score.  Generally, though, it doesn’t make much of a difference.  Paying off a car loan/student loan/mortgage is likely to benefit your credit score, not hurt it. 

Typically, banks don’t report late payments to the credit reporting agencies until you’re at least 30, and often 60 or 90, days late.  So, continually paying a few days late won’t typically hurt your credit score, although you will probably be paying a lot in fees and unnecessary interest. 

If it’s a problem, pay your credit cards off before the bills come.  

Why?

Generally a myth. For women of Shelley’s generation, average age of marriage was around 26.

“spending your own money on product for review is more likely to bias your review in favor of the product”

“I have to ask for free product because there’s no way to to reviews if you have to buy it all.”

I’m fortunate that, since I like wine, I have an extremely unsophisticated palate.  Can I taste the difference between a $10 and $100 bottle?  Yes.  Do I think it’s a huge difference?  No.