I wrecked my credit in my early 20s...probably should have filed bankruptcy. Down to a 512 credit score. It took awhile but today I felt the urge to get more...knowing my FICO08 score being at 618 I cautiously ventured into "gardening". Already having a creditone and capone. Capone approved for 2 cards 500/each and Marathon gas (not visa) 250. This will obviously reduce my utilization as I have no real interest in having balance on 5 credit cards... (I'm scared). I fully intend on leaning out creditone and moving forward. My goal is 670 this time next year. Reading yalls advice and recommendations have been key.
I just want folks to know. THERE IS LIGHT. DON'T EVER GIVE UP!