1. I read the article and took the credit score quiz. I got an 80% on the quiz. Not bad, not good. I missed the Fair Isaac and Co., the company who develped the score system and one more.( I can not remember the second one I missed) The 2 parts most interesting to me was the Credit Score Breakdown and Improving Your Score.
How they use all the information in the credit history, how they break it down to percents was very interesting. 10% on new credit and 15% on the length of time you've had credit are new to me. And I did not know that keeping old credit accounts open, even if you are not using them, was good for Improving your Score.
2. Do we have a budget? Well, yes we do, a very loose budget. We do not write everything down that we purchase. But we know we can not go out everyday to the mall and go crazy. We know what bills to pay when and how much goes into the saving accounts. I had a budget when I was in college. Not a extra penny to my name. It was very hard. Seeing some kids go out shopping and you know you can't do any extra shopping that week. Not any fun.
3. I have never looked at the TCDRS site. Soooo everything on the site was new to me. I would be able to look at my personal account, find forms and publications on retiring. And in the Resources link, I could send days looking at all the different links to help me out with retirement. I did not setup an account for now. Maybe in a couple of year from now.
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