You can always calculate your own AAoA!
Just pull a report for free from annualcreditreport.com - add up all the months since all of your accounts were open, then divide by the number of accounts. Bam!
And I wouldn't pay for the credit scores, but that's my personal decision. I know that the most important things are to not be late, and not let a significant balance report. As long as I do both of those things, I figure my score is as good as I can get it. But if you want a score, the free trial was very easy to cancel by calling MyFICO's customer service phone number.
Feel free to apply for 1 attainable card now, or wait 6 more months and then go on a 3-4 card app spree. 12 months of clean revolving history is ideal to make things happen, but you can still accomplish your goals with only 6 months. Don't call BofA to unsecure as I believe that costs you an HP. I think those cards unsecure by themselves over time - someone correct me if I am wrong.
Are there any cards you want in particular? Perhaps we can help you figure out your chances.
Just pull a report for free from annualcreditreport.com - add up all the months since all of your accounts were open, then divide by the number of accounts. Bam!
And I wouldn't pay for the credit scores, but that's my personal decision. I know that the most important things are to not be late, and not let a significant balance report. As long as I do both of those things, I figure my score is as good as I can get it. But if you want a score, the free trial was very easy to cancel by calling MyFICO's customer service phone number.
Feel free to apply for 1 attainable card now, or wait 6 more months and then go on a 3-4 card app spree. 12 months of clean revolving history is ideal to make things happen, but you can still accomplish your goals with only 6 months. Don't call BofA to unsecure as I believe that costs you an HP. I think those cards unsecure by themselves over time - someone correct me if I am wrong.
Are there any cards you want in particular? Perhaps we can help you figure out your chances.
I would be VERY cautious with 0% purchases with your income level and source. Unless you have access to outside sources, you would be playing a very dangerous game by purchasing things you can't afford with cash.
It's in the signature of a forum member that 0% financing is where the devil lives. That is exactly how people get in trouble. The CC companies wouldn't offer 0% financing if it wasn't profitable to them, specifically by increasing your spending to levels at which you wouldn't normally spend, and by getting you to carry a balance past the 0% period. Believe me, the 0% is offered at the detriment of the customer, not for your benefit.
It's in the signature of a forum member that 0% financing is where the devil lives. That is exactly how people get in trouble. The CC companies wouldn't offer 0% financing if it wasn't profitable to them, specifically by increasing your spending to levels at which you wouldn't normally spend, and by getting you to carry a balance past the 0% period. Believe me, the 0% is offered at the detriment of the customer, not for your benefit.