I have maybe.. 17
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08-23-2017, 10:42 AM #91
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08-23-2017, 10:44 AM #92
2 cards. 1 of them was a credit building card I got when I was 20. Never use it but its my oldest line of credit so I keep it open. The other is a CapitalOne card that I use to buy pretty much everything for the points. Last i checked I had a 798 score. I don't need credit for anything since I've already signed that mortgage a few years back so I'll probably cancel the student card and just use the CapitalOne card from here on out. Bought a new truck 2 years ago, no financing needed.
hard to hate on a fellow wings fan but....
i need to cut... badly.
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08-23-2017, 10:44 AM #93
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08-23-2017, 10:54 AM #94
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08-23-2017, 10:56 AM #95
1 VISA
1 Amex
1 Discover
1.5% cashback
Other two are rotating categories that I use to maximize the gains.
No debt, 770 score. I put 100% of my spending through them, I've averaged about $40\month income from the cashback bonuses over the last few years. That **** adds up, I've made over a thousand bucks from it.
Only thing holding me back from 800+ score is history, I only have ~4yr history on my oldest card... I got started late. 100% ontime payments, I've paid 63 cents in interset *ever*, <5% utilization, etc, etc, etc, etc.
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08-23-2017, 11:50 AM #96
I have 3.
When I was young I made mistakes. I had about a 710 credit score then lost my job and relied on the credit cards like a fool. Credit score is now 529 which is unacceptable at my age. I look forward to fixing this. Just thought I would give you an honest answer.
I sure enjoyed seeing all the miscers who have 800+ credit scores. It's lies, just like the 100k salary is a lie and how you have a huge car payment on that new truck.
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08-23-2017, 12:00 PM #97
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08-23-2017, 01:32 PM #98
Dang didn't even know some card companies let you check your FICO for free. That's awesome.
http://imgur.com/a/AAbtU
It's only off 20 points from credit karma.
Edit: you guys think it's possible to get to 800 by 27/28? I'm 23 now.
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08-23-2017, 01:40 PM #99
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08-23-2017, 01:42 PM #100
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08-23-2017, 01:43 PM #101
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08-23-2017, 02:00 PM #102
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