Hey guys I’m new here. Always looked on here for advice but this is my first time posting. Here’s my situation.
Basically I messed up my credit at 18, I’m about to turn 20 now.
I first opened a secured card with Bank of America, had on time payments for 5 months then I went through some tough times and it eventually ended up charged off. It’s currently still on my report and I plan on paying it off in order for me to get my next auto loan. Not sure how much this will help since it’s only $121 but every bit counts.
I currently have a citi secured card with good history , my current auto loan (100% payments since mar. 2016 and it only reports to equifax) and a self lender loan as well. I also just paid my citi card down to a 30% balance. My equifax score is a 583 currently but myFICO says it’ll be a 633 after my citi balance reports and I pay off my BofA card. My Experian is supposed to go up to around a 615. Any chance i get approved with these new scores? Also any tips to continue to rebuild my credit? My score has continued to go up and I don’t want to mess anything up again from here on. Thanks in advancez
