Hi everyone, first would like to thank this website for all the information it offers. I've spent some time looking through a lot and it's really helped me.
When I was younger I was very irresponsible with credit and got deep into debt with no way to pay it all off. Was getting paid very minimal at the time and it would have taken me 20+ years to eventually pay off, plus one of the motorcycle loans I had, vehicle was totaled and did not have full coverage. And for whatever reason, the bank at the time approved me for another bike! boy that was a mistake.
CH7 Discharge 12/10/2011
Honda Motors $3000 (All Terrain Vehicle)
HSBC $8800 (Motorcycle)
HSBC $12000 (Motorcycle)
Chase $1000
Capital One $1000
So now just about 4 years post CH7 I didn't really start rebuilding until 2013 when I received a secured capital one card.
Capital One Secured $500 CL (only put about $100 on every month, then pay in full)
Capital One QuickSilver $2000 CL (never more than 30% util)
Auto Loan, roughly $10,000 left now - started at $13000 may 2014. Was able to receive a loan with a hefty down payment but got the remainder financed @ 1.9% APR.
I am yet to pull my score anywhere else but Credit Karma yet but they are reporting @ 660 TU and 665 EQ. Just looking for some advice to possible boost my scores a little more? I have not had any lates and I do not let anything go above 30% util. Much easier to pay debts off now after having two solid jobs for 5+ years (1 is part time) making about 50K/year. This time next year or year after I plan on trying to buy a house with my fiance (Getting married this year), she has great credit but I'm sure if I can get mine up a bit more it would certainly help for better rates.
Thanks everyone for reading!
-R
