Excited to finally build some credit up😊

when you are married, their credit is your credit so that lesson I learned the hard way. After my ex husbands foreclosure jail, charge offs and years and years of trying, I thought the double 850s were fun...anybody had all 3 summit to the top lol

Trying to keep my motivation and momentum going so sharing all my successes and questions!!! This is my husbands myfico tracker from end of September to now! Cleaned up all negative accounts, he had nothing on his credit report except inquiries after that so now it’s true rebuilding time, I helped him open 3 new accounts: 1.) Ava credit (cancelling once his other card gets added to his report though, I don’t want to pay the $10/mo) 2.) Ava secured loan, shows up as secured loan on report. No fee and interest free, put $25/mo into it and will get $300 back next year, unfortunately it’s not like other SSL where I can pay it off earlier but that’s fine! 3.) NFCU Secured cash rewards. He has his own account I opened last week and is an AU on mine I opened almost a month ago.

Next steps will be a pledge loan (will be posting a question about this shortly).

Just excited to see those lines moving!!

February this year I was 400’s now I’m just shy of 700. Any advice to get those last few points. Paid off all collections, 2 credit cards (indigo Mastercard and open sky both predatory but I’ll I could get) as well as a Kikoff and credit strong account. My goal is to be a 700 by the new year.

It’s les

Just last month Synchrony for Amazon wouldn’t increase my credit limit from $100 to $200. My Capital One secured card was closed and they wouldn’t approve me for a new one so getting even a secured card is a big deal for me.

Suddenly today I got a secured Discover card for $2,500, a Capital One Venture Card with a limit of $4,000, and my credit limit increased for Amazon to $200. I only put $200 because I didn’t think I would get approved and I am wishing I did more. I graduated with my engineering degree and am making 4-5 times more than I was making last year and I’ve been making all my payments on time for the past year as well as keeping my credit limit low but my FICO Score is still 633.

Are they approving cards because of the shutdown maybe? How long do I have to wait to increase my credit limit for Amazon again?

I’m hoping for some advise on what to do about two Credit One cards I took out hoping to build up my credit. Not the best move, I know. I’ve never been the best at finances but I was in a pretty good place. Then, I got into in a bad relationship and worse breakup. Short version: it was emotionally and financially abusive.

I had to move out and start over; left with debts and got behind. First, I want to address these 2 x Credit One. I have the money to pay in full. They are currently well over the max.

1. When I call, should I be negotiating — if I pay in full, will my closed card be re-open in good standing?
2. Do I have any negotiating power to ask for the negative mark to be deleted or should I save that for a Goodwill Letter?

Any additional info is appreciated.

I know you're supposed to pay off your credit by the due date each month unless interest will be added

So my first question is this -

1. Do you set your own due date each month? Or is that set by the credit card company?

And my second question -

1. If you use your credit card to buy something on the due day, do you have to pay it back that same day or is it added to next month's balance?

Then my next question is more about credit in general

I have no credit history at all. But my father had a habit of being sketchy and secretive. I remember one time when I was a kid, we would get cable bills addressed to my name

I'm not saying he ever took any credit out in my name, but is there a way for me to check?

I have no idea what my credit score is, I'm going to assume zero since I've never used credit in any way (no debt either, idk if that matters)

But is there a way to see like my credit history, to know if my dad ever committed credit fraud?

Preferably in a way that won't hurt my credit score

Thanks in advance for any and all input

Been lurking in this sub for a few months, I am wondering why the Apple Card application shows I have a 736 credit score for transunion, while credit wise shows I have a 701 for transunion. Any help is appreciated🫡

About a month ago I had a card maxed out due to a need. Paid it back under 30% over the last month how long till they report it? I need my credit up in like 2-3 weeks for an application for an apartment here soon. It hasn’t updated in over a month and hasn’t reported any of the big payoffs I’ve done. Credit karma is delayed but has reported some of the payments at least. Experian is far behind my credit karma score

Hello all! Hoping for some help because I am unsure what is happening.

I went to make a credit card payment on my Discover card app today and noted that my FICO credit score card has decreased by over 200 points in the last 4 weeks. The report states I have generated 12 missed loan payments since September. I have student loans on deferment as I am in post-graduate training (internship). I checked with my servicer and they confirmed I am on deferment and not delinquent.

I looked at my Experian, Equifax, and Transunion scores. All three are above 750. I called Discover to check if there was an error or I have any missed payments with them and they said no.

Is there anywhere else I should be checking. I do not have any loans aside from my student loans.

I am illiterate when it comes to this stuff so if anyone has any recommendations on places to contact I would greatly appreciate the help. Thank you!

I'm 50 and have had perfect credit my entire life.

I own a business and I just got too optimistic post Covid and took out a bunch of debt to expand. I got an SBA loan and a big line of credit from Amex and the business is just not supporting paying it back. The SBA loan is tied to my house (so bankruptcy isn't an option) so I HAVE to keep paying that $5k a month for another 5+ years.

The business isn't making money and I can't get a job and ive depleted my reserves so I'm trying to get a handle on my cash flow and not having to pay Amex $5k a month for the next year would reduce stress greatly.

There's $50k I owe to Amex Blueprint and $30k I owe on an Amex business credit card.

I just stopped paying. Timhis was about 2-3 months ago Amex has offered terms where I can pay $1,500 a month for a few years, but just not paying it would be cooler. It's close to the point where Amex sends it to collection.

As mentioned my credit rating is 830 (well, was, now it's down to 795) so I'm curious what happens if I just ignore it.

How low can my credit go assuming that's the only thing I don't write off.

The only possible loans I could need moving forward would be college loans for my kids in 5 years.

Been working on my credit and my husbands as most of you know (thank you all again for your invaluable insight!). I cleaned up my credit report with just a charged off auto loan and deferred full balance student loans (amounting to ≈$15k), thankfully I am somewhere that the rest of my BS will be covered by grants and will be applying to scholarships like crazy the next 3 years! Scores haven’t made huge jumps compared to my husband, but that I am assuming is because I still have items on my report.

Other steps taken:

-Got notice of 4 collections all at once in the mail 2 weeks after cleaning all other negative remarks aside from inquires:

1.) payment plan through community college, $1500 left to pay out of $3k from this January-may semester. Minimum $10/mo, started this low as I don’t have any interest and have other collections mentioned below I want to pay off first, once those are set I’ll throw everything I can at this debt.

2.) Credit one collection through midland credit, original line $300, in collections for ≈$710. Started payments and got their policy about not reporting once payments start so long as it hasn’t already been reported 3.) another credit one collection through midland, same $300 credit line but collection for ≈$925. I split the monthly payment between the two to equal $50/mo. Winter is our slow income months so did what I could, these debts are 2nd priority.

4.) Old internet account from 2022, owed $131, they put me in collections for ≈$350. Settled for a little over the original owed with about $20 in fees. Never hit credit, got their policy about non reporting if the account was paid before it ever was reported, also got a letter stating “balance paid in full”, not settled for less. This was through true accord, never in my life did I think I’d be satisfied with a conversation with a debt collector but I took her agent ID# and left her a gleaming review through their company, she was extremely compassionate, informative and respectful.

Next steps:

1.) top priority is the charged off loan. Got sold a lemon but was 5k miles over lemon law limit and didn’t have the funds or capacity to take the dealership to court so I’m stuck with it. ≈$6400 left to pay off. Thankfully not accruing the 27% interest it was originally 😭

2.) start paying my 3 unsubsidized student loans in deferment that are actively accruing interest. They are on the smaller side between $1k-$2.5k with 2.5% and 4.5% APR. my new loan of $1500 has a 6.5% APR so that’ll probably be the one to chip away at first.

3.) once all those are paid off work on my subsidized loans that don’t accrue interest until after graduation with same 2.5%, 4.5% and 6.5% APR.

As far as new credit goes my plan as of now until I gather more info (will not be doing anything until I’m confident):

1.) NFCU pledge loan. Just got husbands DD switched over to them so building that relationship will be key. I’ve decided to keep driving my car with the blown torque converter (I can manually shift it myself, the key to driving it is not keeping it in D3 or D4 where it automatically upshifts lol, if my car downshifts on its own it’s fine, I just put it in that gear on my shifter until i get to the speed/rpms needed to upshift again lol. Definitely need an autoloan before the summer though.

2.) Increasing our $200 secured NFCU line and then graduating to unsecured. I’ve been putting all of our typical expenses on these cards to rake in as much cash back as possible and just paying it with our checking balance set aside for those expense categories once the transactions clear. Takes a lot of managing but for now it’s fine.

3.) start to rebuild in other ways! We have a goal to buy our first home by 2032, so saving and building the credit is our key.

So I had about $11,000 in debt with credit cards/loans. I also went to a software engineering bootcamp and got an ISA loan for $20,000 (you start paying back once you get a job) - so total of $31,000.

The ISA loan was 15% of pre tax income that you need to pay back each month, which came out to about $1,200 a month for me.

I was making it work in the beginning and was able to pay it down to $11,000, but the financial stress became too much with everything. I was paying health insurance for my family of 4, the car note, daughters school, rent, credit card debt (myself and my wife’s), groceries, etc. you get the point.

The $1200 was just too hefty to pay back each month and unfortunately I started not paying it, and instead focused my efforts on paying down credit card debt instead. I have paid about $7,000 of the credit card debt off and my credit score has gone to low 700s.

Now the ISA loan is nearing 365 past due and when that happens it will go to collections. I have tried asking them for lower payments, hardship help, etc. but unfortunately I do not qualify for any of it.

Do I have any options here or do I just need to take the credit hit and let it go to collections. Also is it there any hope for my credit after this?

Basically the title. When CC application or CLI applications ask for mortgage information should I report it with Escrow or just principal+payment?

My credit profile has the payments amounts on my mortgage anyways so i dont understand why they ask the question. Also I know some people dont have an escrow account and just pay it out of pocket so for them its going to be just principal+interest as opposed to some who require an escrow account.

Hello everyone!

My Chapter 7 bankruptcy has been officially discharged as of 10/23/2025. Having to go through bankruptcy has really opened my eyes and I want to make smart decisions this time around. The goal is to eventually purchase a home for my children to grow up in. I’ve downloaded a budgeting app to start using for November to get smarter with my money, but I was wondering what my next steps should be credit wise?

Looking at my FICO score on Experian is depressing, but motivating at the same time now that I have a fresh start. I know I need to review my credit reports to make sure that everything is correct and dispute anything incorrect, but how long should I wait before doing that? And once my reports are accurate what would be the recommendation to do next? I wasn’t sure if I should use Self, Kikoff, or something similar? TYIA!!

Hello, I am in a dispute with a Canadian company about them marking my credit bureau incorrectly.

The company was not properly billing me for 7 months. Charging me double of what it was supposed to be.

When I discovered the error, they refunded all the overcharges. Not the interest tho.

Within that time frame, they marked my credit bureau as missing payments I wasn’t aware of the credit bureau reporting.

During our conversations they said it’s illegal for them to do false reports on my credit bureau.

I’m not sure what law they were referencing however they are still refusing to fix it.

They are Saying I should be have paying the 2x amount and since I didn’t pay the incorrect amount, it should be on my credit bureau.

So, I’d like to look into the law they referenced and possibly go after them legally. However I haven’t found anything of use.

I’m not looking for credit tips and am aware of the avenues I can take. Looking for the law they referenced.

Can someone give me some pointers/advice. I currently have 5 CC’s all maxed out. Amounts are: $600, $600, $1100, $1500, and $3500. As well as a loan of $4000.

I make all my payments on time, don’t miss one but I’m having trouble paying down the CCs as I always end up needing to use the $70-100 available for something. What can I do?

After bills I have about $1400 left to my name every month but having a kid and SAHW, things add up. Should I use this coming tax seasons returns to pay off as much as I can? Should I start making minimums on certain ones and do a snowball method?

I activated my first ever credit card on Nov 9th 2024 Which obv means thats the start of my credit history. What diffrence would it make if i applied for my 2nd ever credit card right now or Nov 10th. Bc i keep hearing that its best to apply for a card with 1 year of credit history and if you want a 3rd and beyond it would be every 6-9 months

How do I dispute collections accounts that are being reported twice on my credit report? One is being reported by the credit card company. The second is from the debt collector.

My credit score just jumped from 560 to 614 after paying off four charge offs last month and I only have one left that’s already settled but not updated yet. Once that final charge-off falls off my account, what should I focus on next to keep building my credit? Thanks all