Hello, my name is Carla. When I was 18 (2002), I bought a new truck. As a result of that, I got all kinds of credit cards offers, and I got all kinds of credit cards! So, needless to say I ruined my credit years ago, but I've been working on fixing it since 2007. I have a Belk card with $1000 limit, a Cato card where I am an authorized user with my exhusband with $150 limit, a secured Capital One mastercard with $200 limit and I just opened a Victoria's Secret card with $350 limit last night. They are ALL payed off. I have gotten SEVERAL loans through World Finance over the past two years and payed them all off. My credit score just won't get to where I want it to be. My truck is 10 years old now and I want a new car! I NEED a new car I should say. I've raised a newborn in it, and we've outgrown it. I have CreditInform provided by Capital One that sends me a monthly statement letting me know where my credit is. It's only an analysis, but it's disheartening. It says my score went from 672 to 656 in one month and I didn't purchase anything! The last time I took out a loan World Finance said my score was like 705, but I can't remember which score they were looking at. What can I do to continue to clean up my score? How do I go about getting a new car? Thanks so much for your help!
Struggling Single Mom
