I've been at this for a while. Went from getting car financing at 19 percent down to 7. Now I want it lower
Hello, I'm obviously new to the forum. I am definitely really appreciative for all the information contained here. I have been viewing this site for a little over a year off and on and have taken steps to follow suite from everyone. I am currently attempting to position myself to go after a better set of scores (800+) across the board and eventually get a mortgage.
Congrats and welcome aboard... One day at a time and if possible, only use the card for what you would normally buy with cash and then pay it in full or just don't use it much. It takes time to build a great credit history and with the info and help of members from this site, you're well on your way...
I'm new to the Community!
Thanks for having me.
My highest credit card line is Walmart Mastercard for $7,500. My goal is a higher creditline elsewhere. Any ideas anyone?
My current credit score is 720. As of April 20, 2019.
You should post this in the credit card forums.
Hoping to reduce my super high UTI to achieve a much better score over time. Had been unemployed for a bit and lived off cards for a bit. No more!
New here, FICO 8 (TU): 600
Accounts, least bad to worst:
Mortgage, $85K balance (10% paid off), 2y 8m, no lates.
Mortgage, $70K balance (64% paid off), 16y 1m, 1 30 day late 3 yrs ago. Thinking about writing GW letter to get the late removed, don't know if it's worth it since it's old and I have an otherwise good payment history.
CC, 98% utilization starting, now 2% utilization, 20y, 1 30 day late 18 months ago.
Collection account, $89, opened Apr 2017, shows paid in full, "should" be removed within 30 days according to CA
Collection account, $187, opened Sep 2017, paid but not showing as paid on CR yet, "should" be removed within 35 days according to CA
Chase CC closed/CO w/$1500 balance May 2017. Have been making payments since Dec 2018. Due to finish paying Nov of this year but will be paid in full by end of May. When I pay off (in full) I will ask for a courtesy removal. If they say no, I'll start a GW letter campaign.