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Regular Contributor
Posts: 180
Registered: ‎08-17-2014
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Suggestions on building up from here

So, I'm currently 19 and have been working at building my credit since the week after I turned 18. My oldest line of credit is about one year and seven months old.


 I'd like to ask some of you what you think the next steps will be in improving my credit score (669 at the moment). I'll list my credit lines below, when they were opened, and how the credit line has progressed on them. My utilization on my cards is about 4%.



12/07/13 - Discover IT Student - $500 > $850

01/03/13 - Capital One QuickSilver One - $300 > $500 > $2,500

05/12/13 - AE Store Card (GE) - $850 > $1,000 > $1,600

07/08/13 - Barclay Apple Financing - $1,000

11/18/13 - FirstBank Card - $500 > $2,500

02/27/14 - AMEX Blue Cash Prefered - $1,000 > $3,000

03/04/14 - Chase Freedom - $500 > $2,000

04/28/13 - Barclays Ring - $2,000

05/01/14 - AMEX EveryDay - $2,000

05/08/14 - Chase Disney Visa - $4,000

07/13/14 - Kohls Charge Card - $800

07/17/14 - Amazon Store Card - $1,600

08/16/14 - PNC CashBuilder Visa - $1,000


Federal Student Loans

01/03/14 - $2,700 (in defferal)

08/14/13 - $5,500 (in defferal)


Auto Loan

08/01/14 - $20,000


Capital One QuickSilver - $13,000 | Chase Freedom - $19,000 | Barclays Ring - $8,450
Citi Double Cash - $8,800 | PNC CashBuilder - $2,000 | Discover IT - $8,100
AMEX EveryDay - $5,000 | Kohl's - $3,000
Amazon Store Card - $10,000 | Lowe’s - $35,000 | Walmart MasterCard - $7,500
Total Credit Limits: $125k
Established Contributor
Posts: 720
Registered: ‎06-09-2014
0 Kudos

Re: Suggestions on building up from here

With that line up I am wondering why you are posting in the rebuilding forum lol. My only advice is seeing as you have obtained 5-6 cards in the last couple of months is to garden and let them grow. Keep your util low and your scores will grow over time.
NFCU Visa Signature cashRewards $17k | NFCU Flagship $15k | NFCU NavChek $10k | Salle Mae $5k | BBVA Compass $12k | Barclay Ring $5k | AmEx BCE $10k | Chase Freedom $3k | Diners Club Premier $5k | Bank of America $11k | Amazon $6k
01/01/2016 - EQ 732 | EXP 736 | TU 726

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