12-04-2013 08:06 PM
I was an idiot 6.5 years ago (18 years old) and ran my credit down from 750 to 610. Now I have slowly been building my credit back up. I got a Capital One card 2 years ago with a $300 limit. Then I got another Capital One card with a $300 limit. I wasn't paying those in full every month, but other than 2 months I was able to pay on time.
With all of this being said, about 6 months ago, I started reading the forums and realizing how important it is to get my credit score up. I applied for a Barclaycard Rewards card and got a $500 limit about 45 days ago. Then I saw a deal with the Discover IT a week ago so I thought I should risk the HP and see what happens. Well with a 640 Fico score, I got a $2600 limit. I was pretty happy with that, but then I saw a deal for a 55K Point bonus on a CSP card when you spend $3000 in 3 months yesterday. Well I tried to resist, but I broke down and applied today. Well guess what? I got a $5,000 limit!
My main goal is to get my score around a 750. I know this will not be easy, but I think when the remaining 25K out of the 80K I owe is paid off, my score will improve quite a bit.
I have always been very "stupid" when it came to knowing about my credit score and monitoring it, but this forum alone has changed that. I want to thank everyone on the forum for being so positive and helpful. This has opened my eyes and made raisiing my score almost a hobby
03-18-2014 05:07 AM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.