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New here!

Gypsy2
Valued Member

New here!

I am in the process of rebuilding....I didn’t do anything at all, credit wise, for about 10 years....went in to finance a vehicle and had NO score😱
Got a secured card and suddenly a score popped up! But, it’s LOW...
Equ/607 trans/605 exp/599
So, here I am! I’m so happy I found y’all!! I’m thankful to have a place to go for help & encouragementSmiley Happy
I had NO clue what I was doing, so I opened 7 cards....all with low limits 😬 I now see that’s a no-no. I am paying them down to under 10% in the next 5 months....this should get interesting! Score stimulator says doing that will put me in the 680-700 range👍🏻 I’m still learning!😊
Message 1 of 21
20 REPLIES 20
BrandonLane
Established Contributor

Re: New here!

I personally don’t see a problem with opening multiple cards at a time. Escp if there are cards that can grow with you the next 15-20 years. I believe it’s huge to have a foundation to build off of. To each their own.

Best wishes! 😊
Started 6/6/2018 EX - 588 ; EQ - 667 ; TU 575

Updated 12/2018


Message 2 of 21
SomewhereIn505
Valued Contributor

Re: New here!

You just need to use them responsibility and not get over your head.  Keep reading the forums and get into good habits. Good and great FICO scores are in your future. 



9/16/17 FICO 9 TU-661 EQ-648 EX-607
12/27/17 FICO9 TU-706 EQ-672 EX-690
3/16/18 FICO9 TU-700 EQ-669 EX-716
6/26/18 FICO9 TU-750, EQ-672, EX-789


Message 3 of 21
FortifiedHM
Valued Contributor

Re: New here!

Already 7? wow, what are they?

ᑭ⍶ndeᲠi८ ѠαԼԼεէ : ᙪ൦ſΛ ८☕ Λlti-ၺ ✈☕թroթⅇl
⛪✈☕⸿ⵢᖇ ⍟Ԑժᑭ ⍟८ſ ┊Ҩⵢ ☏८ſⴑ ⛽ෲթƧ/βiz ⛽iէ | ८✙ ┊❡olδ┊ↇᏨ ☕▲B ⍟Ⲙilⅇⴑթ ⛪
⸨ꜷ ᐰmzn ᐰ√ ☏⸿i⸿┊⸿iⴑ ⚕ᙪᙪթ⍟wſ -√ ⚕ᙪᙪ८⸩ Ձ൦Ձ❶ ✢ᖇēẉαrժ✙

PⵢA: Wear a respirator (Π95, Кп95, ҞҒ94), period.
Message 4 of 21
Nova5041
Frequent Contributor

Re: New here!

Welcome, glad you joined. You will definitely learn a ton of info here. Don't worry about opening so many, just means you need to sit in the garden awhile, and grow your cards. Also warning, this place can get you in trouble too, if you don't have the greatest self control 😁😉

BK 7 Discharged: 5/30/2018
Fico Scores after Discharge: Experian-552 TransUnion- 490 Equifax- 571
Message 5 of 21
Gypsy2
Valued Member

Re: New here!

How do I add my cards at the bottom like everybody else has? I would love to share!😊
Message 6 of 21
Gypsy2
Valued Member

Re: New here!

Thank you!🤗
Message 7 of 21
WarCulture
Frequent Contributor

Re: New here!


@Gypsy2 wrote:
How to I add my cards at the bottom like everybody else has? I would love to share!😊

Welcome, and I agree with brandon, a good foundation to build on is better than a weak one. Once you reach the rank of "member" you will be able to add html to your signature. The editing is under settings. 

FICOs: EQ - 730 / TU - 735 / EX - 736
WALLET: CL 70K / UT 1%

"An investment in knowledge pays the best interest." - BF
Message 8 of 21
Gypsy2
Valued Member

Re: New here!

Awesome! Thank you!😊
Message 9 of 21
FortifiedHM
Valued Contributor

Re: New here!


@Gypsy2 wrote:
How do I add my cards at the bottom like everybody else has? I would love to share!😊

Check here https://ficoforums.myfico.com/t5/SmorgasBoard/bd-p/smorgasboard

 

although you will need to post more before you can use those features.

ᑭ⍶ndeᲠi८ ѠαԼԼεէ : ᙪ൦ſΛ ८☕ Λlti-ၺ ✈☕թroթⅇl
⛪✈☕⸿ⵢᖇ ⍟Ԑժᑭ ⍟८ſ ┊Ҩⵢ ☏८ſⴑ ⛽ෲթƧ/βiz ⛽iէ | ८✙ ┊❡olδ┊ↇᏨ ☕▲B ⍟Ⲙilⅇⴑթ ⛪
⸨ꜷ ᐰmzn ᐰ√ ☏⸿i⸿┊⸿iⴑ ⚕ᙪᙪթ⍟wſ -√ ⚕ᙪᙪ८⸩ Ձ൦Ձ❶ ✢ᖇēẉαrժ✙

PⵢA: Wear a respirator (Π95, Кп95, ҞҒ94), period.
Message 10 of 21
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