Hello. So glad I have found this forum. I'm 39 years old and never in my life(yes I know that's crazy) had any type of credit until six months ago when I got my first capital one secured card. I had to put down $99 and they gave me $200 CL. I've had the card for six months and just the other day they increased my limit to $500. I have never been late and pay the bill in full each month. I didn't have a credit score until this month and I checked Experian and it says 623. My untilization was high but I got it down. I will now only use 10% of my credit starting now so I expect the score to go up a little next billing.The only thing I have on my credit report is a hospital emergency room bill from 2013 (I didn't have insurance at the time) for $270. With the hospital bill on my credit is it ever possible to get to a score of 700 or am I doomed with just being in the low 600s until the bill falls off? I just want to be realisitc and not set myself up with false hopes. Any help will be greatly appreciate. Thanks in advance.
