Gotta be honest, that'* quite a problem for me, but I always pay it off in full come time for the check

(the highest I've ever been is 600/1000, oh wait! That'* right now! )

your absolutely right, but I was never able to get a credit limit over 550 bucks, so this is an acomplishment for me. I've never had credit, but I have seen what It can do to people such as a couple of my family members. But the key is making the payments and paying it off ASAP. Im only using it to purchase the things that I really need, and when the payments are made im sure the my credit score will go up.

Yeah, new game plan, let my car sit for a bit, pay my credit card bill and leave it in a deep dark crevas of my wallet

That is not necessarily true. If you have a high limit but keep your debt below 50% it actually helps your score and you look really good on paper. It is also best to keep your card for a long time, they look at longevity also. If you bounce around from card to card- that looks bad. I use to have many cards and the less I used them the more credit they gave me. I've since scaled back and now only have a couple and only use them if absolutely necessary.

I've also been told that auto insurance costs are more for people with mariginal credit. Not sure how fair that really is, but hey if thats the rules, learn to bend around em!

I concur, my insurance rate is around 140 a month right now, and that'* with me talking them down from 155!

your credit score does factor into your rate. They have a formula that factors in many things to determine your rate. The company I work with has recently changed the rating system and things are more driver specific so you are being charged exactly the premium you should be based on your credit score, driving history, use of vehicle, type of vehicle, etc.

it drops when you turn 25 and are married.

I was already married when I turned 25, but the drop was still significant.

100/300/100, business use on all my cars, clean record for over 5 years, have home, life and 2 autos (was 4 autos!) thru same company. I still go in every 6 months and try to beat a few bucks outta thier rates LOL.

do you use all of your cars for business?? If not, that could be costing you extra premium.