@Anonymous wrote:My credit history just hit 6 months yesterday so I was able to generate my first Fico Score yesterday.... My credit report is so clean and fresh....
Am still in College and I didn't really care about credit before as I always buy everything with cash. Even the 2 cars I have right now was bought with cash but last summer I went to Miami for vacation and I wanted to rent a car but they refused to rent me a car without a credit card even with cash..... So that was when I know how important credit is and that made me to start building my credit...
this morning I went to my local credit union bank and they pull my transunion..... They approved me for auto loan 20k, personal loan 10k and visa credit card 5k with just one pull......
my car loan is 2.5% rate
personal loan is 7% rate
Visa card is 10% rate
am surprised with the rates
transunion: 720 (1 inquiry)
equifax: 700 (2 inquiry)
experian: 710 (2 inquiry)
in my wallet:
cap 1 secured: 200
walmart store card: 6k
Cu visa: 5k
i was in shock I never knew I could achieved all this in 6 months And am surprised to have that high score with just 6 months of credit history...
am not really a credit addict so I won't be applying again for any other card as I don't need them for now.
Thank You All🍾🍷
Note: Transunion removed all the 5 hard inquiry which am surprised so when they pull my transunion there was no hard inquiry in there. Right now I only have that one pull which is from my CU on my transunion..... I know those inquiry will come back some day lol
Congrats on your success. You are off to a great start with your credit life. Protect it like you would any precious asset. Best of luck in your future.
Great things achieved in such a short time. As you are not addicting to acquiring more credit, I know you will scores will continue to increase. Good Luck.
Next time your in Miami, you can rent a vehicle. 
