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Posted on 6/26/14 at 7:47 pm to kingbob
I was in the same boat a couple of years ago. the only card I was approved for was a capitol one unsecured card with a $300 limit. I was putting a 2 tanks of gas on it every month and paying it off as soon as the statement posted. In about a year my score was up 112 points.
As far as piggybacking credit history, it doesn not work like it used to. I was added as an authorized user on 2 credit cards and it did not make a bit of difference as far as average age of accounts is concerned.
Apply for the cap one card, if you are declined call and tell them your scenario.
As far as piggybacking credit history, it doesn not work like it used to. I was added as an authorized user on 2 credit cards and it did not make a bit of difference as far as average age of accounts is concerned.
Apply for the cap one card, if you are declined call and tell them your scenario.
Posted on 6/26/14 at 11:58 pm to kingbob
I didn't have much credit wheni finished school 6 or 7 years ago.
Just got a new truck a month ago and I got a 849 score.
What I've done.
-always pay bills on time
-bought and paid off a truck
-bought a couple grand in furniture along with a wedding/engagement ring at 0% financing and paid them off early
-mortgage, refinanced more tha two years ago to a 15 year
When I refinanced I was around 700 for a credit score. I finally got a credit card a year and a half ago (they actually freaking declined me when I applied even though I probably make more money than most of their card customers. I also have my mortgage with them and a 6 month emergency fund....went to the branch itself and they took care of me) and I think that's what got my score up to 849. I just pay it off every month. Put basically everything I buy on it since I get cash back from the points every month. If you have discipline credit cards won't be a problem.
Just got a new truck a month ago and I got a 849 score.
What I've done.
-always pay bills on time
-bought and paid off a truck
-bought a couple grand in furniture along with a wedding/engagement ring at 0% financing and paid them off early
-mortgage, refinanced more tha two years ago to a 15 year
When I refinanced I was around 700 for a credit score. I finally got a credit card a year and a half ago (they actually freaking declined me when I applied even though I probably make more money than most of their card customers. I also have my mortgage with them and a 6 month emergency fund....went to the branch itself and they took care of me) and I think that's what got my score up to 849. I just pay it off every month. Put basically everything I buy on it since I get cash back from the points every month. If you have discipline credit cards won't be a problem.
This post was edited on 6/27/14 at 12:06 am
Posted on 6/27/14 at 12:30 am to tylercsbn9
I have 1 years worth of credit basically and have a score of 740 despite having 3 hard pulls in past month
I got a 300$ CC from USAA Bumped up to 1000$ After 6 months plus added 1000$ discover card. Bumped up to 2500$ discover and will bump up USAA next month.
I pay off my statement monthly on auto payment.
My score I imagine will start getting in the near 800s once I start paying off the loans that are deferred as it will expand my credit to installment loans plus revolving debt
I got a 300$ CC from USAA Bumped up to 1000$ After 6 months plus added 1000$ discover card. Bumped up to 2500$ discover and will bump up USAA next month.
I pay off my statement monthly on auto payment.
My score I imagine will start getting in the near 800s once I start paying off the loans that are deferred as it will expand my credit to installment loans plus revolving debt
Posted on 6/28/14 at 2:41 pm to htownjeep
quote:
. I started piggybacking him on two solid cards of mine that I hardly ever use. I've done the same for my 16 yr old but I can't check his score until he's 18. I'm sure it will be excellent as well by then.
We did the same for our daughter, and she was threatened with her life for unauthorized usage. We also had her apartment and utilities at school in her name. When she got ready to buy her first house, her credit score was in the upper 700s
Posted on 6/28/14 at 2:57 pm to tylercsbn9
quote:
Just got a new truck a month ago and I got a 849 score.
I'm just going to call BS on this one right now.
quote:
The highest credit score one can achieve is the magical FICO number of 850
You need a thicker credit file than what you've described to achieve what is the perfect score.
quote:
Watts: Pay everybody on time, keep your account balances low on credit cards, take on new credit obligations sparingly, and then continue managing credit for a long time. Typically people who score in the mid-800s have been managing credit for at least a couple of decades.
quote:
The longer you’ve had credit, and the older your credit accounts get, the better for your credit score. Credit scores love stability and to break into the 800s, they want to see a history of accounts that have been open for ten years or more.
This post was edited on 6/28/14 at 3:03 pm
Posted on 6/28/14 at 5:21 pm to VABuckeye
Yeah, he's full of crap. I'm in the high 700's and my only dings are number of accounts and average age of accounts.
Posted on 6/28/14 at 9:36 pm to VABuckeye
quote:
I'm just going to call BS on this one right now.
You can call BS all you want but they ran two different reports and one was 849 and the other was 800. My father in law who worked at the dealership said it was the highest he's seen. I didn't believe it when he told me. I don't know if it was some weird scoring agency (some sort of application scoring model that also accounts for salary) or what but that's what the number came out to.
This post was edited on 6/28/14 at 10:05 pm
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