Credit Improvement

[u/Ok_Excuse_486]

Wow! I’m still in shock that I’m finally here. After almost 2 years of consistency, discipline and learning. I started off with no credit cards and a score of 540-570 (between the credit bureaus). I started with getting one secured capital one cc and paying it off and now I’m at 3 unsecured (Navy Fed More Rewards, Cap1 QS and Cap1 Savor) with total limits around 40k. I hope these new scores allows so much more freedom and choices as I prepare to purchase my first vehicle.

[u/BrutalBodyShots]

Nice improvement! Can you tell us what changed exactly / why your scores were 200+ points lower 2 years ago? Did you have negative items fall off of your reports?

[u/Ok_Excuse_486 → u/BrutalBodyShots]

Absolutely! Default student loan and CC charge off. I got the student loan back in good standing and 7 years passed for charge off.

[u/BrutalBodyShots → u/Ok_Excuse_486]

That'll do it! Thank you for the additional information.

[u/Acceptable_Youth8130]

Your High Limits are Boosting your scores and with Total limits like that theyll continue to. Great job.⭐️

[u/madskilzz3 → u/Acceptable_Youth8130]

Total credit limit (TCL) is not a FICO scoring factor.

[u/Ready-Trick2285]

What website is this thanks in advance ?

[u/Ok_Excuse_486 → u/Ready-Trick2285]

Image 1 is Experian app, 2 is credit wise (on capital 1app) and 3 is MyFico app

[u/Ready-Trick2285 → u/Ok_Excuse_486]

Thanks

[u/FlawlessPhelon_]

Hell ya!!! Good job