I'm pretty new to the board, but my first pieces of advice would be to skim the boards for info and don't hesitate to ask for advice when you have a question. There appear to be a lot of knowledgeable, experienced posters who are ready to share their knowledge.
Personally, skimming these boards has become a hobby for me while I continue to work on my credit.
I'm new to this and I've never had good credit before in my life. For the first time I have strted working on it and now I'm above a 600. My goal is to have credit worthiness of $2000-60K or over by the end of year. I've never had a credit card more than $500 in my life. But I'm glad I found this site and I believe the plethora of knowlegde here, will help guide me along the way.
I've helped many people clear their credit and wondered why I never worked on mine. And the reason was I never had a good image of myself regarding credit. Once I changed how I saw myself on the inside, my actions started manifesting on the outside. I will keep posting my progression and if anyone has any advice they can pass along, i would greatly appreciate.
And by the way, the credit I establish will not be used to get in debt, because I don't really don't owe anyone, but my car payment ($6000 left) and my Capital One card ($60 balance) which will be paid off tomorrow.
Thanks in advance for any information...
First post on myFico - I have been lurking for almost four months now and in those four months I have used all that I have read in various forums to increase my credit worthiness. My ultimate short term goal is to have 0%-5% utilization across the board and ultimate longterm - knock this student loan down by half.
Just want to say that the myFICO forums have been the biggest inspiration for me to get my act together (financially), I am so happy I joined.