topic Re: 21 yr old credit in General Credit Topics

21 yr old credit

Anonymous — Fri, 04 Apr 2014 03:35:13 GMT

Hi,

I'm honestly trying to gauge how well I'm doing in my credit history. I'm 21 and I have a myFICO score of 720. I have a $24,000 car loan and I'm a cosigner on a student loan with my fiancee. I have 5 credit cards. 2 from capital one(visa plat and PS card), a target redcard(I work there, and no, I haven't had any fraud), and I just got approved for the barclay apple card for a new macbook for school, and also an AMEX green card (considered going for gold, but didn't want to take my chances). I have never missed a payment on anything, and and the downsides on my report I have been given are my length of credit history(got my first card at 18, the cap visa plat), and my credit inquiries(I got a little carried away recently). Is this a good start?

Re: 21 yr old credit

myjourney — Fri, 04 Apr 2014 03:39:10 GMT

Welcome to the forum

You're doing very good and an FYI you can upgrade your green to gold if you like without a HP the only downside is you won't get any signing bonus for the gold.

Re: 21 yr old credit

Anonymous — Fri, 04 Apr 2014 03:42:19 GMT

Thanks for the advice and welcoming. I may just try to do that after I get a little history with AMEX.

Re: 21 yr old credit

takeshi74 — Fri, 04 Apr 2014 12:25:02 GMT

Sounds good to me. Just keep responsibly managing things and an eye on your credit.

@Anonymous wrote:
and also an AMEX green card (considered going for gold, but didn't want to take my chances)

Underwriting's the same for all of their charge cards (except, of course, the Centurion).