TODAY I RECIEVED MY FIRST CREDIT CARD

[Anonymous]

GREETING TO ALL TO DAY I RECIEVED MY FIRST CREDIT CARD FROM CITI BANK WITH A CREDIT LIMIT OF 2500.00

WAS ALWAYS AGAINST GETTING CREDIT CARDS BECUASE MY PERANTS ALWAYS WERE IN DEPT TO THEM.

I WAS RECENTLY TOLD BY PEOPLE I NEED CREDIT ACCOUNTS ON MY REPORTS TO GET CREDIT IN THE FUTURE WHEN I NEED IT. FICO WHAT WAS THAT I WAS ASKING

WELL TODAY I USED MY CARD FIRST TIME MY REPORT SAYS FICO 785

NO ACCOUNTS LISTED

NO HISTORY

JUST ONE INQUERY FROM CITIBANK

HOW CAN I GET HISTORY?

[Anonymous]

Just keep using your card and do not ever be late on a payment and you should fine.  Congrats!!

[Vu]

Wow, how do you get 785 Fico score with no accounts, no history?

[Anonymous]

thank you

please do not be mad at me i am not showing that off

i just do not want to go were my perants were when i was younger

i learned something from there mistakes

but want to learn how to use credit for my advantage

[Anonymous]

I would recomend mevelopes.com to manage your finances, every time you put something on the credit card , the software will move money to the money for evelope (credit card) so you won't spend that money elsewhere.

Also most reptuable card issusers(except crap one, free payments, but not schedule or auto) allow free online schedule payments and offer autopayments where they direct debit on your account due date, so at minimum sign up for the minimum payment in case you forget to pay they'll still get their money and if you pay more than the minimum payment the autopayment won't kick, during the intro rate period, you might want to left them take minimum payment, while you leave the rest of the money in high yeild account , and then switch to statement balance on first cycle when the intro expires, and if you are using a program like mvelopes, you will have the money to paid off the balance when the intro expires.

Message Edited by rbbyrbsn on 07-25-2007 04:56 AM

Message Edited by rbbyrbsn on 07-25-2007 05:01 AM

[Anonymous]

What was the web site where you bought your Equifax Fico score? Was it Equifax.com or www.MyFico.com, or another place that sold you your Equifax Fico score? Different places have different scoring models. Such as a PFico model, ect. Thank, just wondering.

[Anonymous]

Hope you did not get it confused with your SAT score!!