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A big factor with credit scores is actually your debt to credit ratio, or the credit utilization ratio. It's not just having debt itself but having a low ratio of debt to available credit. Sometimes it's best to not close an account that you no longer want to use, because it helps this ratio. A lower ratio is better for your credit score. For example, if you have $15,000 in outstanding balances but have access to $50,000 in available credit, then your ratio is 30%. But say you decide to no longer use a card that had a $15,000 available credit limit and you close the account. You still have $15,000 in oustanding balances but have access to only $35,000 now, and your ratio has increased to almost 45%. That could lead to a considerable decrease in your credit score, if all other things remain the same, i.e. payment history, on-time payments, credit checks, etc.

Debt is part of the equation. If you carry very little to no debt, your credit score will actually decrease. If you want to icrease your score, carry a bit on your credit cards. Vary the amount to see when it actually increases. Just don't be late with those payments - thats part of your score too. I noticed when I no longer had a mortgage my score took a pretty big hit. When I got another mortgage it went back up. Stupid I know, but there you are.

Creditkarma usually reports a little higher than when I've done hard credit checks for a car loan etc. So you may not be exactly where you think you are at. To add to some of the other comments credit card average age pays into it slightly as well. If it wasn't already mentioned.

Server restarted @ 12:15 a.m. EDT

Another thing I have noticed is this; You will usually see something around 750 as the cutooff to get a good rate on a loan. As long as you have at least that you are good. If you have an 800 it doesnt matter, the same rate applies. The only times I have seen 800+ score really matter are special lines of credit with specific companies. For example Chase was running a deal a while back. You had to be a customer, had be with them for X amount of time, credit score I think was 840+, and some other qualifiers such as annual pay (it was high!). If you met their qualifiers you could geet a home lone under 2%. I have a friend who did it. This was during Covid. My point is this, for most of us "little" people we just wont see that kind of thing. If you can get and keep your credit score above 750 you are doing damn good and will get the best rates offered at the time. Don't sweat it if you can't break 800 or get past 800. If you want to do it, for what ever reason then thst is great. It means you are responsibile with your money and kudos to you!

Was reported to me that people were spawning in the fire and mine fields, dying instantly on map mp_mw3_lookout. I have removed the map from the config file. Server will need a restart when it's not busy. Admin please post when done.

lots of wind and rain but all good here .now back to work tomorrow . https://baynews9.com/fl/tampa/weather/2024/09/23/tropical-update-gulf-of-mexico-florida-panhandle-west-coast

Just to let you know that TangemereNL has passed away at the age of 56. He played on the DM3 server for a long time. He was a very funny person and is badly missed by his friends. Please spare a thought for him and his family. Thank you.

New rotation maps are ftag map mp_78auenwald map mp_agxdepo map mp_cw_bocage map mp_cw_breakout map mp_dome map mp_enigmaoff map mp_lolv2_codwaw map mp_makin_day map mp_nachtzug map mp_newbrecourt map mp_vm_river map mp_rostov map mp_sfrance_nite map mp_stalingrad map mp_suburban map mp_trainstation map mp_vm_brecourt map mp_vm_crash map mp_rocket map mp_the_cube

New rotation maps are map mp_78gaperon map mp_argentan_n map mp_assembly map mp_courtyard map mp_dinant map mp_fatherland map mp_little_village map mp_nachtfeuer map mp_pmcod map mp_prague map mp_railyard map mp_riverbank map mp_seelow map mp_snr_matmata map mp_subway map mp_waterway map mp_xi_nowhere

This means the monitor is currently only running 60hz, and not 165hz. Yes, you'll need to change some settings in windows.

hi all I've been in communication with his friend flowerpower by email and I'm hoping his son will be in touch so i can get some personal info about his life. although he was not a member he played on the server for several years, he was a lovely person, full of humour and loved to chat about life. he will be sadly missed by us all, taken to young. rest easy Tang x

RIP my friend you will be missed by your gaming family, thoughts and prayers go out to the family.

Happy Birthday everyone.

lol

Rotation #4c 25 maps by NinjaBazza put in rotation 09/29/24 by Pengy map mp_4nuketown map mp_meanstreets map mp_shipment3 map mp_4t4scrap map mp_dust2_classic map mp_blue_country map mp_cgc_bog map mp_lost map mp_uprise map mp_vukovar map mp_mw3_hardhat map mp_bandit map mp_blue_compound map mp_4hanoi map mp_ovgrown map mp_crash map mp_bo2hydro2 map mp_downtown map mp_blutstadt map mp_ porto_v1 map mp_fragata map mp_osg_hijacked_2 map mp_modern_rust map mp_mw3_lookout map mp_mission Server restarted @ 11:48 p.m. EDT by Pengy Enjoy!

We need to scout servers, to find some good ones. That or if we get enough ppl, we get our own.

Such a mess,,devastating. Glad your all ok

Thank You Skuzapo!

Thanks Skuzapo

Thank-you skuzapo

Thank-you skuzapo

My credit score was always in the high 840 range - after I retired I cancelled a home equity loan I never used - score now stays in the 790 range - who gives a shit - I'm too old to care As @WeednFeed said -if is says excellent that's good enough

I'm in for cod5 if the times are convenient for me. If your short people for cod4 I could play but I suck at cod 4 ummm well I am not that much better at cod 5 either

He's killing it on a server where the average players is 50+ and you can run around invisible. lol

COD 5 I am in

Old Settler's Park in Burlington, ND was a quaint little city RV park that I had almost all to myself for the few days I was there. It's just a short hop, skip, and jump from Minot and perhaps one of the best kept secrets for places to stay when traveling through the area. 50/30/20amp power, shared water spigots, and a kind of rustic but clean restroom with a shower.

this morning it looked like this at 11 am by 4 pm it was 45 mph winds and side ways rain

The sense of sadness I have over this picture is palpable. This is the dorm where I lived while stationed at the 786th Radar Squadron, Minot Air Force Station, North Dakota. I risked my life, literally, on this day to get to my room which was on the second floor. The face of the building you are seeing faces south. My room was the last three windows on the second floor on the north side of the building in the north west corner. At that end of the building, the floor had rotted through and I could see down to the first floor. See the antenna tripod on the roof? That actually belongs to me. I mounted it up there in January of 1978 at 0°F with a -10°F windchill, and then installed a HyGain Penetrator CB antenna on it; I couldn't believe they let me do it, but honestly I don't think they had a clue what I was proposing. Still, they didn't say a word once it went up. Picture in a moment. I could talk to anyone with a CB for as far as the eye could see. My view was the spectacular and unobstructed expanse of the North Dakota plains. I was a member of the site fire team, and the projectionist for our little makeshift movie theater. When officially on duty, I was a part of the team that maintained the most bad-ass early warning search radar system in all of North Dakota, and only a handful of them in the world. It was one of the coolest things I've ever done in my life and something that gives me incredible pride. Now the entire site is in such complete decay that I just want to cry. You can go home, but you can never go home. This will be the topic of an upcoming video. Back in the day. For me, that was 1977 - 1979. The site operated with many other radar systems from April 1953 - July 1979. I left in September 1979. The mighty AN/FPS-27A Aircraft Control and Early Warning Search Radar (4 stories) and its companion AN/FPS-26A Heigh Finder radar (2 stories). The Tranquility Base CB base station antenna, a HyGain Penetrator omni-directional 22' mast with four 9' radials. Steampunk. The site was heated by massive steam boilers and there were above-ground steam lines running everywhere. A curious juxtaposition of old school steampunk and the once state of the art cold war early warning AN/FPS-27A tech. All that remains of the once-mighty AN/FPS-27A (Verizon operates the new cell tower west of the remains of the radar towers).

Ha. I'm an idiot. Told you all I'd post here as well as my other social media and then promptly forgot to crosspost here. So let me catch you up. My YouTube channel is a couple of weeks behind where I am now. This is common for vanlife channels. The video I'm working on now has 2 hours of raw footage. That's uncommon, but unsurprising given the subject of the video - my return to a now abandoned USAF Early Warning radar site where I was stationed in the late '70s. But you can imagine how even half that amount of raw footage can be a challenge to make into something watch-worthy. So anyway, this is the most current video on my channel, and I'll post some pics of what's been happening in the meantime, too.

this was very unexpected and sad news such a lovely person as well i loved his sense of humor and will miss that very much RIP peter (aka tangemere)

yes this is 3 miles from me in New port richey. this is us 19 and main street about 1 mile from the gulf and at Hudson beach ..

I have a good friend that lives in Redington Beach and pretty much lost everything last night.

Hey guys my birthday is coming up October 1st!