After 6 Months on a secure card, I finally have credit.
Also CC general
>>966243
same feels dude, what bank?
>>966246
Wells
Honestly didn't trust this thing, kept to it using my entire $300 limit every month, never missed a payment & well, it's paid off.
>>966253
pretty sure you only supposed to have like under 30% utilization. i have $500 limit and spend ~100/mo.
>>966253
Max that baby out!
>being proud of good goy scores
>>966277
Your NEETBux came in yet?
Sup dudes I have $500 on my $2000 card. How fucked am I? I am making payments every month. I dont know shit about credit scores.
>>966243
>rack up loan debt while in college
>after school become huge fuckup druggie
>completely ignore loans and eventual collections for a few years
>decide to get my shit together
>got a secured card with $200 on it in february
>score is slowly moving up, at 560 now
>still have delinquent accounts
Any other advice for getting out of this hole? Trying to slowly pay off as much as I can.
What should I do to build up credit other than paying it off immediately? How long would it take? I've never had a credit card and I'm looking to move out and they need a credit check.
>>966469
Get a secured credit card. You develop credit worthiness by showing you receive a regular income and displaying responsible access to credit.
>>966466
just don't fuck up again and it'll go up. try to pay a minimum on your denbts. maybe call up the creditors and tell them you want to pay and maybe you can work out a more favorable payment plan
>>966243
417
Still don't have any lines of credit except for the one that fucked up my score. 19y/o uni student, parents kinda stole my identity.
I make 200k/year but have mediocre credit. I need to start playing the game right
