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  #1 ()
BlepEphenly : Ok so i have this ring that my mom bought a few months before i was born so its about 17 years old. Anyway if i want to make that my purity ring instead of buying one. So what makes a purity ring a purity ring?
well the ring i has a gold color w/ a clear stone

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  #2 ()
zakladykliczko : yes. a purity ring is just a ring that you wear that signifies you won't have sex until marriage. it doesn't matter what ring it is, as long as that's what it means to you. however they are typically silver with clear crystals/stones, but it doesn't matter.
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more..
  #3 ()
Creweemaima : It can be anything you want! It doesn't even have to be a ring, just something that symbolizes you're choice(:
Btw, congratulations on making such a choice, it's very honorable!
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  #4 ()
KitActick : I wanna sell something on an auction site but i don't have a credit car nor bank account. I also want to purchase items with Paypal, is that possible?
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  #5 ()
Sleeryrub : If you want to sell at auction, set up a PayPal account. You must link either a credit card or
a debit card to the account. You would purchase items through your account as well.
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  #6 ()
2qot54rt74o : bank account is required to sell on ebay
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  #7 ()
Smaluemelmisy : You know, for emergencies and all that?
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  #8 ()
goodevry12 : B,
You have to be 21 to get a Credit Card.
You should look at MyFico.com to learn about credit.
•You can save an Emergency Fund.
•If you get one use a Credit Union, not a mega bank.
•Read: The Total Money Makeover by Dave Ramsay.
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  #9 ()
jihuo1408g61 : Okay I need details on what is a credit score and what are the rages from lows to highs??? Thank you!
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  #10 ()
Tourcenpeno : This should help you to understand how credit scores work..

FICO scores from 300 to 850 and Vantage Plus scores from 501 to 990.

Here is the breakdown for both systems.

Vantage Plus system scores from 501-990.
A-901-990
B-801-900
C-701-800
D-601-700
F-501-600

FICO system scores from 300-850.
Elite-740-& up
Prime-700-739
Preferred-660-699
Standard-625-659
Sub-prime-624-& under

FICO is the only one that matters since it's the one that all major lenders look at.

So as you can see it depends on if your looking at a true FICO score or a Vantage plus score.

As far as what makes up credit scores it's the following;
1. Payment history (longer the better) 35%
2. Time in bureau (longer the better) 15%
3. Types of credit (mix of credit cards & installment loans) 10%
4. New credit (new accounts and inquiries) 10%
5. Debt to credit ratio (lower the better) 30%

Things that don't effect your score.
1. How much you make or how long you have been on your job.
2. Where you live or how long you have been there.
3. Any account not considered real credit like cell phones, rent, utilities, insurance or gym memberships.
4. If your a registered voter or not.
5. Having a checking or savings account.
6. How wealthy you are.

So as you can see credit is based on opening and paying accounts. So without that you would have no score at all.

The credit bureaus use different scoring systems, Equifax scores from 250 to 843, Experian from 253 to 893. Transunion from 250 to 877.

There are also 3 different types of scores. The standard that you see, the auto enhanced that only auto dealers and lenders see and the factual which only mortgage companies and lenders see.

So each person can have 12-15 different scores none of which will match. Great system huh. Add to this the fact that all lenders do not even report to all 3 credit bureaus and some don't report at all and you begin to see the problem with our current system.

As far as a real score goes, go to myfico.com it will cost $20.00 but you will get a real FICO score. You might also go to annualcreditreport.com and print out all 3 of your reports for free, no reason to pay a credit monitoring service.

Good luck.
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