Ryan McFarland

My credit score has taken a hit over the last half of this year. I imagine it is from the many recent credit pings from the mortgage and buying the bike shop. I had probably a half dozen credit checks for Zoom Bikes. I also had a month or two where i made a few credit card payments a day late - i thought i had payments scheduled! Things are not bad enough that i need to get bad credit loans, but i am taking much more care about applying for additional cards. I was in a habit of applying for the next offer with a 0% balance transfer so i could move money around from account to account without too many financial incentives to pay it off.

I’ve seen a 100 point plummet in my score in the last 5 months! Once again, i’m not too concerned. I have an aggressive repayment schedule for my two personal accounts and the business balances are being trimmed down. I do feel like a multi ethnic group of mixed gender business people are looking at me though. Oh - maybe that’s because of the mixed crowd that reads this.