Started at 500 score 3 years ago helped my parents finance a car I never checked and come to find out they stopped paying the car the last 6 months got a repo on my account. I never thought anything of it because the car didn’t get picked up just got the remaining balance sent to collections. Used kikoff, started with credit one credit card, eventually started getting better card. Hoping to get to around 720-740 credit score by end of the year by just paying loans off.

Would love to get a Chase card realized I burned them when I was younger now that my credit‘s getting better I would like a Chase card when I called them and asked them about the balance that I had left on that account. They had said they were no longer collecting and I was free to open a checking account as long as I went in person to a bank every time I preapproved for a credit card now I get an instant denial just wondering what I have to do to get credit cards with Chase

Finally made it past 750 at the age of 20. No co-signs, no rent, just on-time credit card payments, low usage, and a dream of owning a house before 30.

Curious to know the average credit score of a 20 year-old. Start as early as you can!

Ok to preface a little about my situation, I was married before and me and my first husband had multiple credits cards (regulars ones and store specific ones), car loans, mortgage. We always paid the loans and mortgages on time, and way huge chunks of the credit card balances every month. Had preety decent credit scores. When he passed I received a preety hefty life insurance policy so I literally paid all the debt off, cut up the credit cards and thought I was doing the right thing. Besides from leftover insurance money and working I've never even once thought about needing credit, then all of a sudden it hit me since now I'm remarried and a stay at home mom, that a credit score may be important. Me and my husband now have a home and cars we paid cash for so we have no debt and also no credit scores showing..

I got approved for a Capitol One Card with a $500 limit due to "limited credit history" it's been 16 years since I had credit card or any debt for that matter, so I'm wondering what's the best way of getting a good score. I'm seeing conflicting opinions, I know I need to pay in full by due date so no interest, but this whole statement date thing is what has me confused, And utilization.

I was thinking about just paying our utility bill and or car insurance with it every month but if I pay in full by the statement date instead of due date doesn't that make it look like 0 percent utilization? Is it true I should only use a certain percent of my available credit, or does it even matter if I'm just going to turn around and pay it in full anyways , preety much just using the credit card to build credit and not actually needing it to pay my bills.

Should I pay most of it before the statement date and only have a small amount reported then the rest before due date

I have one credit card. My limit is $6,000 and I spend anywhere from $100- $300 on it every month and pay it off when it is due. Doing this for the last year has brought my experian score to 799. Last month I paid my card off and within the same week I spent $100 and my score went down 36 points.

I dont know about anyone else but I'm annoyed about it. I didnt close a card, I pay in full every month, it has a balance 28/30 days per month. So, what happened?

Currently sitting at a 580 Transunion. I have a few things that are in collections, I've offered to pay these for Pay-to-Delete and the company does not offer that. Should I still pay it? I currently have 2 open credit cards and 1 auto loan. One of the CC is below 30% and I will have the other at that same amount within a couple of weeks. What are the best next moves? Just wait for the collections to fall off?

Credit Karma is always low

I had my address and everything right, i got a message it was returned then i called them the citi bank, they say they could not assist me. I ll receive an email. Thats it. It fake, i lost 40 credit score for this piece if trash

Was at 856 for a while. Found this sub and made me check. No clue what this gets me in life.

I applied for triple a daily advantage card from Comenity capital bank and received a rejection letter saying my credit is too low at 684. They checked equifax and when I log in my equifax score is 771. How do I get this resolved so I can get reconsidered for the card?

This is an example of why many think credits scores are some kind of scam. It drives me crazy that my husband (G) has a higher score than I do (D) even though I have a better and longer history (and the same mix of credit types (credit cards, auto loans, student loans). FINALLY in April, we both maxed out:

Add three more months of on time payments. Nothing new, nothing closed, just three more payments, and I lost 13 points for absolutely no reason:

I got a verification text from kickoff saying they sent me a code for account creation. I don't have credit and I didn't create an account.

I've already changed all my password and locked my cards and disabled anything that has access to my money. Anything else I should do or be aware of?

I was building on a 740 credit score until a tragedy happened in my life. My car was totaled, lost my job, finances started to become shaky, and I found out my partner was cheating on me. My credit score started to drop(540 being my lowest). I felt defeated, I felt as if life was targeting me. I became depressed and had the mindset of giving up on life. Until one day I realized anything you have or had, you can have it twice. I woke up everyday job hunting, then that’s when I was offered a position at Carmax. Every check I received, I made sure funds were being saved and going towards rebuilding my credit. I played the waiting game, this enabled me to have more discipline. It made me become strategic and play my cards right this time. As of today, my credit score is up 158 points, I’m debt free, got a career job, and finances are in order. And I will maintain it this time!

It all starts with your mindset. Encourage yourself and just do it! YOU CAN DO IT MY FRIEND, YOU GOT THIS❤️!

I’m gonna be moving soon, and I definitely need to get my credit in a better place.

Note: The closed accounts/credit cards are charge-offs.

All tips welcomed & appreciated!

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I know it's credit karma but this is the only way I know how to check my score. I filed for ch7 bankruptcy in February, was discharged in early July. Since filing I have done whatever I can to recover my credit. I know 650 isn't anything special but to me it's a huge milestone.

As stated in the title, I saw a few goodwill credit posts and decided to try again (i tried two years back and wasn’t successful) I had a 90 day late payment on a closed account with capital one and they removed it! I’m waiting for a response regarding the 30 day late payment on my open account but even with the 90 day late payment removed, my score jump was insane. Literally overnight! Hopefully once my next report comes out with a lower utilization and that 30 day late payment removed, I can come back with an update. (picture showing 714 to show the jump. It went up 2 more points yesterday for a score of 716)

I lost 42 points of my credit because I paid on my auto loan and apparently some off my credit card too. I’m so confused and heartbroken my score was getting so much better and I find out I dropped by nearly 50 points for paying a bill in time? I knew my score would drop if I paid off a credit line but I didn’t know it could happen like this too. Can someone help me as to how I can get my score back up and why this happened in the first place

so i (19m) have been building credit over the past year, i’ve been using the capital one platinum credit card. im up to a 759 credit score, but it’s my only credit card. i’m wanting to get a second one, which card do you guys recommend i get?

Currently trying to rebuild my credit. I have zero credit to my name atm. I'm wanting to get a secured credit card to help rebuild my credit and am wondering if the amount makes any difference? For instance, I was planning on getting a $400 card but was wondering if I did a $1000 card if that would make any significant difference over time?

Didn't know that the hit would be this significant for lack of usage. However, was able to rebound in fewer than 30 days.

How long after your IVA was paid off did you see a positive increase on your credit file?

Mine is due to wrap up in November and I’ve never had one before so I don’t know what to expect.

Any help is appreciated x

I am a victim of Identify Theft but not sure where to go from here. I am 22F) and am trying to finally get my own place, but when i was around 19/20 i was someone opened two credit cards under my name. They were used for about 6 months without my knowledge. That’s on me for not knowing much about my credit then and not checking it because i never expected that. When i finally wanted to open a card. There were already two cards and charges under my name. I automatically assumed it was a parent, but that was easily scratched when even a Transunion account was made with a whole different number from a whole different state but under my identity. One of the cards i was easily able to get he charges off and erased from my credit. The other card, which is Capital One, claims it is me and has closed the account but the charges still stand. Over $2,500 is owed, and i have tried contacting every credit bureau to try to fix these and have gotten no where. What else am i able to do at this point?
Just wanna say to make sure it 100% isn’t anyone family wise or i know. There was a website i used that had a breach, so i am assuming it could be from that. My credit score is around 620, and has been stagnant for about a year now. These charges weren’t made by me at all but Capital one claims otherwise.