Established Contributor
Posts: 760
Registered: ‎02-11-2012
Re: Need help building credit, the right way! Please help!

Do not fear! My son did not have any credit cards, only two car loans, and no personal loans. At age 28 his TU, EQ, EX  scores were all the same at 817, lender pulled. He found his scores out when getting pre approved for a home loan. Good luck. You probably will have no problems obtaining any Major Branded CC you want.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)

Remember the Three P's: Pay early in Full, Pay on Time, Patience