NEED HELP ASAP

[Anonymous]

I'm 19 years old. I work at jfk airport for the last year. I got a unsecured cc in July. And a unsecured card a month ago. Credit Karma says my score is 700 TU. MyFico says they can't run a report because Experian doesn't have a report or something. I know it's not 6 months yet but I plan on buying a car at the end of the year. Just wanted to know if I'm on the right track.

[Anonymous]

Your history reports after 6 months of usage.

[Anonymous]

Ok thanks for the quick reply

[Anonymous]

So I guess it's all for nothing ATM

[dabrian]

No it isn't all for nothing. You'll get a score in the next couple of months.

[Anonymous]

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@Anonymous wrote:
So I guess it's all for nothing ATM

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Just an in real life, you have to earn your respect. Nothing is given for free. Once you learn that no one owes you, youd be in a much better place socially and financially in the future.

[Creditaddict]

if you want to buy car at year end you should be clearing your 6 months by year end... I don't understand why you find it all for nothing... you are in the exact right direction... just make sure right before december you pay 1 of your credit cards off and let the other one only have a balance of under 9% of your total credit line.

[Anonymous]

Thanks so much ! This whole thing confuses me. But good to know I'm on the right track.

[Anonymous]

I never had anyone to show me anything about credit. Been on my own since 16. Sorry if I sound completely unknowledgeable towards this lol

[Creditaddict]

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@Anonymous wrote:
I never had anyone to show me anything about credit. Been on my own since 16. Sorry if I sound completely unknowledgeable towards this lol

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you came to the right place.

and sometimes slow and steady is the right direction to go and if your goal is car I think not piling on inquiries and new accounts will be good idea.

however, I would look into joining a credit union now.  You say you work at airport, do they have one? if it's an airline they probably do... they will be a great source for maybe a 3rd credit card now and to start building a relationship with for that first car.

start putting paychecks into it so they can see your consistent income.