raise my credit score

oh crap… I gotta go to the bank tomorrow and send my $30 to the CC company because its due the 12th. I have been paying on time and damn it all to hell is I EVER MAKE A LATE PAYMENT AGAIN. mostly because i am rebuilding my cred plus I wanna ask for an increase before UNI starts

I’ve been monitoring at My Fico. My Equifax score went up 21 points. My TransUnion is unchanged. That other agency doesn’t report to consumers anymore. Bummer. I like the Score Watch feature because it shows my progress over any specified time period.

My Fico also gives scenarios on how to improve or hurt your score over a specific time period.

I am going to purchase a new house and car within the next 12-24 months, and I want GREAT rates.

I might make this a goal but..

-Ask for a credit increase in august

August 15ish. Increase of 25 – 50%

I might make this a goal but..

-Ask for a credit increase in august

August 15ish. Increase of 25 – 50%

My next payment is april 17th and i have the funds already I’m not even gonna risk it. I will keep the cash in my acct for the 17th so my credit is on the way up!

Hey I was gonna come on here and ran about how my lack of focus has cost me money again but i just noticed something. Would I rather pay $9 or $39 dollars?

I say $9!

My credit limit is just about over and If i sent the check last night like what would have been a better idea, I wouldn’t need the extra $9 fee i have to pay for online bill pay with my CC company! But its cool. all that matters is that I pay my bill on time and give on my goal of improving my credit.

I wont let this little slip get me down. My progress is still going well!

(have to remember to remember! ha ha!)

ok, not really. I got credit as early as any human possibly could and along the way i had some screwups. Its good i started so young though because I had more time to make mistakes and learn before I even had to move out on my own.

I am very proud of having credit and knowing things no one else my age knows (at least around these parts). Now is the time to build it up and have excellent credit by the time everyone else is just getting theres’. MUHAHAHAHA!!!!!!!

My first goal (mini piece) is to stay current on my credit card payments, then in 6 months to ask for a credit rate reduction and/or credit limit raise.

Another mini piece of my goal is to remove all collections and negatives from my credit report. (send letters to debt collectors then pay in full)

is not enough. You also have to keep your balances on your current accounts low. Don’t use all the credit they give you. Pay those balances down.

Equifax was offering free credit scores today, and so yes, of course I went to check mine out (free is my favorite price!). I knew it was going to be bad, so I set my expectations for a 300 credit score.

Thank goodness it wasn’t THAT bad. Whew. But still, the fact that I’m behind on my credit cards is slamming me in the credit score arena, so it’s time to buck up and fix it.

My credit score is in the “Bad” department (sigh), so my next step is to get it into the “Almost Bad” department. There’s a lot of numbers between me and 560, so this one could take a while.

Deep breaths.

I WANT IT UP TO AT LEAST 600!