Hey guys, sorry upfront if this publish is badly formatted/organized. I do not publish usually however I do lurk on sub-reddits like these once in a while.

Recently I have been attempting to get my credit score rating to extend. I am 21 years outdated, in faculty pursuing a bachelors diploma and I can not seem to get it to extend from what it is at (730).

Based on CreditKarma, which I do know is not a really correct supply for my credit score scores however it’s what I do know, my scores are proven as follows:

Equifax- 729
TransUnion- 735

I test it continuously and it has been across the identical rating for the previous 2-Three months. I’ve a bank card with Uncover for the time being with a restrict of $1500 {dollars}. I attempt to spend about 200-400$ on it each month and I ALWAYS pay it off in full earlier than the due date. I even have a $300 automotive invoice that I pay each month on time (unsure if that issues).

My query for you guys is the place do I am going from right here? I am getting affords from CapitalOne for his or her platinum card, nevertheless, after studying just a few posts from right here, plainly the cardboard is of no worth to me because it has no advantages and will not develop with me as my credit score rating grows.

Ought to I even be wanting into getting one other bank card for the time being?

I apologize if these questions are dumb. I am probably not good with this type of stuff and I’ve form of been doing all of it alone these days and I really feel as if now’s the time I might use some assist. Thanks for taking the time to learn.



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