i can't believe i'm 23 already i feel so old. the back problems are coming in fast its hilarious. neway i didn't plan nething for my bday this year due to the fact that either people can't go or they end up being late if i do invite them so there is no point. its my second rotation at the hospital and well lets just say i can't wait to graduate respiratory school in april. i'm pulling off 5, 12hr shift per week so i can finish early and get my 3 weeks vacation rather than 1 week which is the week of thanksgiving. then its december two more weeks of school then its christmas vacation for another 2 weeks where does that lead me too? 4 months and 2 wks til last day of school and two months of that has to be my last rotation which is the NICU and PICU. neonatal and pediatrics i'm so excited. i'll be taking care of 1lb babies n their respiratory problems. i actually like the ICU which is intensive care unit. i'm not very fond of ER i don't like the hectic that goes around it. its just me tho i will try it see how it goes cuz in this rotation its ICU + ER. the economy is so low i feel like a depression going on cuz the stocks are low low low its bad. so its gonna be hard to get a job once i graduate. on to my topic what is your FICO score? so here i am watching a documentary for yahve's class and its just plain ridiculous how the credit company jacks up my credit score. yahve and i are busting our but to stay in the high 700's or even to get to 850 to get a good mortgage at our house once we get one. i can't believe this simple number can determine whether we can be approved for nething. 35% of your FICO score. if you have any late payments, the score will take into account how late you were, how much was owed and how many late payments there were. outstanding debt and cancel a credit card, losing that line of credit will mean you're using up more of your credit — which will raise your credit utilization and thus lower your score. 30% of your score is determined by your credit utilization ratio, which measures your outstanding balance against your available credit 15% of your score. So if you're closing credit cards, keep the card you've had the longest. you should use them at least once every six months or so or it will show up as being inactive on your report and the credit line won't be factored into your utilization ratio. 10% of your score. signing up for new credit cards doesn't always boost your score because you're adding to your line of credit. instead, it can lower your score because you may appear to be a bigger risk. the final 10 percent of your score, and looks at whether you have a mix of different types of credit, such as installment loans or mortgages. it's good to have a history of revolving accounts — such as credit cards — so think twice before completely giving up your credit cards. what shock me in the documentary was closing one credit card can lose up to 60 points from the 850 that everyone starts with same goes 75 points about for every missed late payments men. i feel so bad for my friend that owes about $20K cuz of late payments. so my question is what is your FICO score do you even know? on top of that school loans or any loans brings down your credit by like 35-60 points also. this ridiculous the most shocking of all is that the APR can increase any time or interest rate if you have one late payment in one credit card and can reflect on all your other credit card because of that one payment. meaning if you have one credit card in one company one late payment it can go to your other credit company and they can change ur interest rate in that sec. this is just crazii but anyway i got a white gold necklace from yahve on my bday it was so cute he gave it to me at 11:30 p.m. before midnite of my bday but i decided not to open it cuz its not my bday yet so i wrapped it with velcro wrapping and opened it after my first day of rotation which was 5 30 in the morning!!! n a pink iphone cover cuz he loves me..i'm soo tired so gn.. =) i'll update later |