How to build credit from this?

[pizzadude]

---

@eveline49 wrote:

But the affirm one is closed and paid off already

---

---

Ok I missed that it was closed / paid, so in your case it may help your FICO score to have an open installment account paid down to 9%

[FicoMike0]

You've gotten great advice as far as letting accounts and hps age. As far as the ssl, I got 30-40 points, others have reported similar. The only choices are nfcu, if you qualify for membership, and penfed, anyone can join. If interested, figure out which you want to go with. Post back and we'll guide you. The basic deal is, you borrow your own money and get fico credit for it. To start, you need the upfront money. The longer the loan, the more money. You get it back in 30+ days. Many go for a five year loan. That takes $1500 with penfed and $3000+ with navy. Remember, if you take out a car or student loan, you lose the points.

[Aim_High]

---

@unsungivy wrote:

 ... There should be a 2025 planning thread soon (@Aim_High ) ...

---

Thanks for the tag and the reminder, @unsungivy.  My November was quite busy with many personal distractions, so I'm just getting back on the forums some to catch up.  I'll put that out soon.