Would a 700 and a 725 or 750 have a significant difference in opportunities? Also, is there such thing as a credit flat line? Meaning once you hit a certain number (800 for example) the “perks” typically remain the same the higher you go?
So happy with my progress in under a year!! After some hardships in 2024-2025, finally got back into a better place to focus on rebuilding my credit. Happy to see that my dedication is paying off!
I only have my car payment and a credit card. Is this an okay credit score? I’m terrified of my credit score being bad because both of my parents have always had really bad credit and I have seen how it affects them. Is there anything I can do to make it go higher?
Hello y’all, I have a question.
I’ve had my credit card for a little over 10 months. I got it after I turned 18. Up until recently, my credit score had been steady and rising, but lately it’s started to decline. I’m not sure why or what to do. I don’t have any debt, and I’ve never missed a payment, so I’m confused about the constant drop.
I read something about utilization being a factor, I’m not sure what that is, I’d really appreciate if someone explains it to me.
Any advice would be greatly appreciated. Thank you.
Hey guys so I’m 18 and have a pretty short credit history. this month the cycle closed and my reports dropped by like 49 points. Why though? both balances decreased but i left $2 on one of them so they wouldn’t be at 0? why would they both drop if anything wouldn’t this make them go up?
Hey guys!
This is just a snippet of my current standing as far as my credit goes. I have a 6 credit card cycle that I use, using them once and paying them off before the due date.
The only debt I have elsewhere is my auto loan that I make extra payments on. Besides those strategies and paying on time, any tips on what I can do to get between 840-850?
Im coming out of bankruptcy (will be removed from my credit report soon) and im thinking of taking out a personal loan for credit building
I don’t need the loan…I have a large savings available. So I was thinking - let’s say I get approved for $20k - I’ll just reserve $20k in a HYSA while I pay off the interest difference…leave the loan open for a year or 2 to minimize the interest cost then pay it off in full
Does this make sense?
I feel like I’m the last month no major changes have happened however my score took a major leap and I’m not sure why. Nothing fell off my report either.
So question besides getting a preapproval is there a way to get a rough estimate of what my interest rate would be or is that just a market standard right now
I’m 23 years old and I have a 80,200 credit limit across 4 cards. I finally paid down my 19k credit card debt to just 2k and I’m thinking when does a score not matter and it just becomes flexing….
hello,
i recently paid off two of my student loans with savings from a (temporary) second job that paid me in several large lump sums. these two accounts increased the interest rate a few years ago and were the majority of my overall monthly payments despite being approximately 1/3 of the total amount i owe. i stopped paying during the pandemic because i lost my job and was taking advantage of the deferrals. i paid off the past due balance a few months ago, but i have one outstanding month because they did not adjust my income based rate after my second job ended.
i still owe much more than i would like to, but now i can comfortably make the monthly payments on the lower interest remainder once they adjust for my current income. i expected to take a 50-100 point hit on my credit score from paying off these accounts, but this month i lost over 200 points. i was in the upper mid 700s prior to this and now i am in the low 500s.
how can i build back my score? i have paid off my credit card monthly for years, save for a couple months during moves/waiting for first paychecks (3, 5 years ago) and for one month during the pandemic. my only current outstanding balance will be paid off once they correct an error that inflated the charge. i was planning on applying for another credit card soon to separate my personal expenses and my expenses for contract work, but i assume my credit is too low to get one now. is there anything else i can do in the meantime or am i just going to be stuck with bad credit for a while?
I live in Colorado.
When we divorced we still had a joint card, target card, it was her card and I was the secondary on it. We both kinda forgot about it. I was the only one that used it and that was only to pay for medication at the CVS in the target.
Anyways fast forward 7 years and she fills for bankruptcy.
I find out the accounts been closed and sent to collections. The account had never been late. The card had a small balance but was in good standing. I tried talking to the card company but they basically told be I was screwed. I've filed a dispute with transunion and equifax, just those 2 so far, it hasn't posted to experian just yet. But my credit score has taken a 130 point hit and Im left to wonder if there is any way for me to fix this. I didnt fill for bankruptcy, my accounts were all in good standing. Is there any hope?
My favorite number 🤣 been working on my score, not near where it'll get to. Just had to share.
I’ve used Varo in a pinch for deposits but noticed they had a credit builder card so decided to give it a shot.
It’s different in the sense you set the card limit but I had no idea increasing my credit balance by $3 dollars unintentionally was gonna hit me this hard.
The only reason I “increased my balance” was because I paid off my phone bill, and then immediately added money back but i guess it happened to be just a bit over my previous limit and I paid the price for it.
I am improving my credit so maybe big fluctuations like these are normal, idk…
Anything I can do or should I just take this as a lesson learned when it comes to increasing limits?
Hello! I am new to credit and just got a credit card. I had my name attached to my mom’s for about 2 years, and I opened my own last month now that I have a new job that can support it.
My FICO score dropped significantly overnight, and I did not use my card very much at all. I am worried as I don’t want it to be affecting my life and I don’t have many people to teach me this.
My score went from 773 to 736 overnight and all I spent was $50 on a $1200 limit. Would it drop that bad? I have never missed a payment and pay every night. The score also only has thumbs ups and nothing showing that it’s dropping.
Any advice is appreciated. I want to start on the right foot with my life and don’t want to fall into a debt. Thank you :)
I have made payments and tried to stay on top of everything but over the last year I haven’t been able to get my score to break 600. My credit is terrible and I just don’t know what to do…. My husband and I need to deal with this before we start our home buying/mortgage journey.
A collection from Eastern Account System recently showed up on my credit report for an alleged Comcast/Xfinity debt.
The issue is that this is not mine, and I have never had Comcast service.
I disputed it with all three credit bureaus, but all three disputes came back unsuccessful/verified.
Has anyone dealt with a similar Comcast/Eastern Account System collection that wasn’t theirs and successfully got it removed? If so, what steps worked for you?
I'm so confused because on 3 different apps my credit score is different. For apps I have discover credit card, credit karma, and my salie mae app for my student loans. 3 different scores, there's TransUnion and Equifax with 2 different scores on karma, then Fico score on Sallie mae app, and a different Fico score on credit card. Which one is the true score I can go off of?
My Experian score is 675, but my Transunion score is 577 and my Equifax score is 571.
It had been this way for a few months and I’ve never done one of those credit boosts on Experian.
I suspect Experian reflects the two credit cards and utility bill I paid off a few months ago, and the other sites do not. Yes, I will pull the actual reports themselves to examine more closely. But generally, has anyone seen such a wide gap persist for months on end?
I'm financing a semi-truck and the company has a 30 day grace period before anything it reported to your credit union. I paid before the grace period, even received a confirmation email that my payment was received, but when I checked my account to make my next payment. It said my previous payment didn't go through. I found this out on the 28th day of the grace period, submitted payment again. But, they said if the payment takes longer than the remaining 2 days to process, it will come up as miss on my credit report. Is there a way I can dispute this? I have an 820 score and excellent history. It feels unfair.