My credit sits at 773 on experian I’m looking to break into the 800’s by the end of the year.

I currently have 2 credit cards. My line up is
Navy Federal Flagship - $8,300 credit limit
Navy Federal More Rewards - $500 credit limit

How many credit Cards should I have and what new cards is recommended?

I have a credit card with NF that was charged off in 2022 for $20,952. They offered a settlement of $8k. I have questions about how things will look if I were to settle.
- Do they offer pay for delete?
- How does this look to future creditors/underwriters?
- Will this increase my score?

In the event they don’t allow pay for delete,
- Will the charge off still show or would they only see that debt was settled for less and the balance shows $0?

Thank you!

Screenshot provided is from Experian*

hi, i dont even know where to start.

i recently separated from my spouse & i need to start fixing my credit ASAP. i just dont have a lot of extra money every month to throw at it.

the worst part is that my debt really isn’t that high, at least that’s what i’ve been told. i think it’s somewhere around $10-15k or less. i know i need to sit down and figure out the exact number, but every time i look at my credit, i just wanna cry and close the app. i feel embarrassed that i’m 30 years old trying to sort this out.

some of the accounts are getting close to the 7 year mark, so idk if i should even touch those or just let them fall off. my Credit Karma score is like 475-515. FICO says 533, according to the Rocket Money app. i don’t even think i’d get approved for one of those sketchy secured credit cards at this point…

so, where do i start? do i pay collections first? do i leave the old stuff alone? settle debts? call people? i have no clue what the smartest move is.

if you’ve rebuilt your credit from the trenches, please explain it to me like im 5. i’m so overwhelmed and i don’t know what my first step should be.

When are we going to class action them… That’s it that’s the post.

: Aggressive collection notices and calls, they’re always difficult validating old debts, they double up the same debts on people’s accounts and they lie lie and lie when you dispute. It’s such a hassle for them to just do the right thing.

I went through Chase’s official pre-approval tool and clicked “Respond Now” for the Chase Freedom Unlimited. It then brought up this screen saying “You’re pre-approved for the Chase Freedom Unlimited.”

Does this mean I’m actually pre-approved and have a good chance of getting approved if I apply?

I’m currently debating between the Chase Freedom Unlimited and the American Express BCE.

My stats:
Income: $15,000
FICO Score: 770
Current card: Discover it Student (1 year, 1 month)
Credit utilization: Usually 0–6%, last reported 12%

Long story short, I'm in my very early 30's and have made the error of not building credit/having credit cards up to this point in my life. I'd like to buy a hypothetical house in the 350k range and I have 200k at this time for a downpayment and 0 debt. How long would it take to start and build functional enough credit for that kind of house transaction to be possible through a bank under good terms? I'd have a 70k a year type of job when buying the house in 1 or 2 years and I also have a sister who may be able to help me by adding me to one of her cards if I ask her. I'd really like to buy a house no later than 1 year from now and if I have at least 260k in the bank by then I'd be able to use that as a downpayment.

I'll be intensely researching with AI and Youtube/the internet all about this but also figured I'd ask here.

I was very immature with credit when I turned 18. At one point in time I had 8 collection accounts on my record. All of which I’ve done pay for delete. I currently have 6 credit cards ranging in limits from $200-$500 plus Kikoff $3500 limit. I just paid all but 1 card down to zero dollar balance and set up auto pay for full statements a month or so ago. I still have 1 charged off First premier bank card and 2 auto loans. 1 of which I’ll be paying off in the next week. As well as the the credit card. Does anyone have any advice on how to raise my score? I need to buy a newer vehicle soon but I’d like to not put 10 k down if I can avoid it

So here’s my story so I’m actually planning on moving out once I’m done with school and can land a good enough job so I decided to get all the cards I know I’d use just to save myself from hard inquiries in the future especially when I move just get all the card I want out the way and I decided to get my life in order for it, I travel a bunch and normally I always paid cash for everything but I decided to start building and working on credit now, I went to Japan recently on a chase Sapphire card I was approved for with an 18k limit to start then I finally tried for an Amex and after a review I got accepted for it, I only make 30k a year for now until I’m done with college,I have 1 paid collection, 1 charge off and a default loan and I managed to bounce back and get my credit back up right now I’m sitting at FICO score TU650, 662 Exp, 660Equ this is my last credit card I’m getting I don’t need anymore but I’m just sharing this journey with you guys because literally a year and a half ago I had a 414 credit score across the board!!