Hey guys what's up?
1st off, thanks for all the free & great info across these boards.
I've learned so much about credit, & how it actually works, & the way you are suppose to play the game. Currently working on building my credit, as well as helping out my wife. A little about me:
26 year old medical assistant. Always thought "credit was bad, & if I couldn't afford to get it on debit, I didn't need it." My 1st credit card was 2 years ago, a military star card, & the only reason I got it, was my 99 accord needed some work before I drove from Texas to Maryland. Got approved for $1,900, spent $1,800 of it. Prior to coming across this board, I had just been making the minimum payments. Add to that my student loans, no missed payments, & old traffic tickets that I never paid, made up my report.
Fast forward to now, the balance of that card is $1,211.42/$3,150 (recent auto increase), all traffic derogs paid & removed, a game stop credit card with a $500 limit (which I realize is now pointless), a 10k NFCU Cash reward Visa card (wife is a AU), & another 10k NFCU cash rewards Visa card (I cosigned for my wife, didn't want to tie up $500 for a secured card).
Sitting at 23k in total credit, no derogs. Not sure what went in to getting my score from Navy Fed, as I got my card prior to getting my wife's, & 2 baddies dropped, but the letter they sent following up the card, had me at a 675 via TU.
Sorry if it felt like I was rambling, but I'm on my way to the 700 club and it wouldn't have been possible with out this board. Keep the info coming ladies & gents. I'm here to soak it up.
