Hi, I haven’t updated in a long time. So here is an update on how My Journey To Better Credit. I started in March 3rd, 2013 with the Capital One Secured Card. Best card to ever get if you want to fix your credit. Anyways, I had 11 bad marks on my credit, I am down to 4 now. Here is a list of the credit cards I have been able to get since rebuilding my credit:
Capital One Secured Visa: Started at $200 deposit, never increased my limit with depositing more. Since having the card they have raised my limit to $750. That is a $550 unsecured limit increase from them.
Credit One: I was approved for this card in October. $300 credit limit. Now it’s up to $1,000
Victoria Secret: I was approved in April 2014 for $300, now its up to $750
Wells Fargo Secured: $500 deposit, got my graduation letter in March saying it is graduating to a unsecured credit card this month and I will get my deposit back in May
Old Navy: $300
Amazon Store Card: $800
Kay Jewelers: $2000 when I applied now its up to $4,000
Capital One Platinum: I was approved for $300, now its up to $3,000
Capital One Quicksilver: I was approved for $300, now its up to $500
Paypal Credit: $2,550 now this card doesn’t report, which kinda sucks. But its really good because I max the card out without it affecting my score.
Plus I have a car loan from Ford Credit.
For the most part, I try to stay under 30% on each card. But I have used my cards and payed the minimum amount every month before my due date. Carrying a balance has helped out a lot.
According to credit karma my Transunion is 660 and my Equifax is 648. When I first started I couldn’t get into credit karma because I had a thin file. So I wanna say when I did that my scored was between 500-560.
Anyways, that is my update 🙂