Hi Everyone.
Thought it was time for an update -- and hope for all of those re-building.
In October 2006 I basically had no score (no credit to score).
Started with a First Premier card and a $100 Exxon card.
Today I have 4 PRIME majors (Citi Driver's, local Credit Union, NFCU and Discover More) along with $2500 in gas cards and 4 store cards. Also the re-activated AE Plat and Optima from the 1980's.
HOW??? I paid ontime and always more than the min (usually PIF). I am now considered an 'excellent' risk - getting Tier 1 rates on all majors.
The answer is paying everything on time from this point forward - and time takes care of the rest.
So be patient & pay on time -
