@Anonymous wrote:
Hey everyone!
So here is my stats:
Age: 24, Income: $58k, No student loans. Fico: 577 Other scores are mid 500's due to derogatory items. When I started in dec. my scores were in the 450-470 range.
So I started in December of 2019 You mean 2018?by getting 3 secured credit cards (Citi, Bank of America and Capital One).
I've just opened a Amazon prime credit building account through Synchrony, secured with $300.
I also got a $500 credit building loan through moneylion.
At this point, money isn't really a problem as I am saving $2k a month. I pay my credit cards in full each month before the required payment date. Dont pay all the cards off each month. Let one report 10 bucks and PIF after statement date. Your losing points with all at 0 balance.
What I'd like to do is potentially open one to two more accounts (Any recommendations? Note: I was declined for a discover secured card which is crazy haha.)
Also, how can I get a full list of all derogatory items on all of my credit reports?
For now you have 5 new accounts. Congrats BTW. I'd stop for now and garden for at least a year. The inq's and new accounts have to age. In a year hopefully some will graduate to unsecured. More accounts doesnt mean higher scores. You have what it takes for the FICO bonus with 3 cards and 1 loan. It wasnt crazy about Disco. You got a lot in 5 months. Time to chill and watch the scores rise for now. You can get your free credit reports once a year online. Go thru them and work on the baddies. Good Luck and Congrats!
