Credit Score.
What is the lowest your score has been? What is it now and what did you do to greatly increase it.? Current score: 658 College student :(
660 was my lowest ever. I increased it by opening a shit ton of credit cards over the next year but not use them except for a couple bucks here and there, while paying least the minimum each month. Its around 740 right now. But this should go without saying: fix your habits first before you open new accounts lol
Would you advice i do the same to increase mine? I graduate in a year and I want to get it up before I enter the real world
I'd only suggest this if you already have a steady credit history so can take thethe initial inquiries' hits but then by increasing total open credit line and lowering total usage in the next months to come. Like 40% of a credit score is credit card utilization so either open more to decrease usage or keep what you have just stop using it completely. Control your spending. Don't close accounts unless they have a yearly fee. Its better to keep them open and just charge it here and there on gas or something to keep activity on it and pay it in full each time you charge it.
Lowest I ever remember was like 720 maybe. At 750 now. It's been pretty consistently in that range as long as I can remember.
Never been low. Like many, parents added me to their accounts as a teenager so I inherited their credit history. I have 10+ more years credit history than I have been alive. Do this if you can; easy way to jumpstart the benefits of great credit. If you cannot or your parents don't trust you then get a cc and request a limit increase every 6 months and aim to keep your utilization under 15%.
You’re good. I was 574. In 8 months I upped it to 658 now. Still rising Download credit karma app actually helped to monitor it weekly. Also disputing questionable bad marks got them removed. Otherwise just pay and be patient. Use the app to monitor credit % used and keep it dropping.
640, when I first opened a CC
640 after I graduated from college and couldn’t pay bills
About 560. Since I had credit card debt the only solution was to pay it off over time and debt to max debt ratio went down. It can take years to pay off debt. Take it from me, don't use credit that you can't pay in full when it's due. The score was too low for debt consolidation. Credit score sites tell you why it's bad.
615, from back when I was in my mid to late 20’s. I think this was just a function of not having a lot of credit, plus a late payment on a car I leased back then. Over the years, my credit improved to high 700’s and when I bought my first condo at the age of 40. Right now, my FICO Experian score is 843
Holy cow that’s high...
Yeah, I’m a bit surprised by it as well. My Vantage 2.0 scores are 804 and 800 depending on the credit rating agency. Maybe FICO and Experian are being more generous for me.