Kredit Score

>>966243

same feels dude, what bank?

File: Fargo.png (52KB, 1355x389px) Image search: [Google]

52KB, 1355x389px

>>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.

File: 1387271796409.jpg (7KB, 226x166px) Image search: [Google]

7KB, 226x166px

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