I have to disagree too JD. Your credit score is determined by a lot of things besides credit cards. The gas and electric companies, telephone, cable tv and internet companies, water bill, auto loan and mortgage cos all report to the big 3 credit raters. A tax lien will get noted, even something like a transaction on paypal can be noted if it goes south. Things like non payment of your utilities or even late payment can affect your credit rating, to say nothing of credit cards. The answer to all that is to live within your means and pay your bills on time of course. On the other hand, I know a goofball couple who have declared bankruptcy a couple of times and are always behind on their bills. But neither of them have ever had an accident or even an insurance claim that I know of in the 25 years I've known them. It doesn't seem fair to me.
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Today's Featured Article - A Lifetime of David Brown Tractors - by Samuel Kennedy. I was born in 1950 and reared on my family�s 100 acre farm. It was a fairly typical Northern Ireland farm where the main enterprise was dairying but some pigs, poultry and sheep were also kept. Potatoes were grown for sale and oats were grown to be used for cattle and horse feeding. Up to about 1958 the dairy cows were fed hay with some turnips and after that grass silage was the main winter feed. That same year was the last in which flax was grown on the farm. Flax provided the fibre which w
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