@Anonymous wrote:Hey guys, this is my first post here and I would like to really use this site and be part of this interesting community as well.
I'm relatively new here in the US, been here for almost two years. My credit history though started in October 2013, getting my first secured CC from Bank of America. Right now I have a Capital One CC (got it in August 2014) and a Barclays CC (May 2014). I got them both with a $500 limit, but just got an automatic CL increase from $500 to $1200 on the Barclays CC. I also got a new car yesterday, which I'll finance with VW Financial for 5 years.
When I started getting my first credit cards, I had a part time job at my school library, so I didn't have the most responsible CC use. I quickly topped my limits and payed some of it every month, never missed a payment or had any late payments though. My situation now is very different, I have a full time (50 hour) job which gives me the ability to pay my credit cards at full every month. I got this job in September of this year and today I just finished cleaning all 3 credit cards, except 1 which I intentionally left a 1% utilization for credit reporting purposes.
I want to know now, what can I do next to improve my credit, besides making my payments on time? My priority now is unsecuring that credit card and increasing the limits on all of them, preferably automatically. I have 8 inquiries as of this year (some of them from last week, for auto rate shopping). Any tip would definitely be appreciated.
Welcome to the forums. Unsecuring that credit card is a great goal. Honestly, you are doing just fine. Increasing your payment history and paying on time will continue to grow your score.
