santanas3

2yrs as an AU on my parents Target Visa, share the same address and last name, they've never reported. BofA however reported within 30 days. HTH

They turned me down with a 745 TU Fico and a clean report. My history is short though, only 2yrs. Maybe I'm too young for Hooters.

yes. I got that bad news just last week. Hard pull but I don't remember which CRB it was. Probably Exp =( Yes, same for me. Hard pull on Exp.

I turned 18 two weeks ago In the past week I've been approved for the following BOA Platinum plus-7600 Chase Platinum-1800 City MtvU-4000 Best Buy-1100 Did get turned down for HSBC-weekender I have no plans on doing any more applying for a full year and I will never charge what I can't pay off in full. My scores are 745TU 721EQ 724EXP My parents have really helped by adding me as an AU on a Target Visa, Shell gas card and AMEX when I turned 16. For the first 6 months I could not carry the cards, any purchases I had to ask permission to make and give my mom the money from each check to pay in full. After 6 months they let me carry the cards with me, but the same deal applied, only spend what I could pay in full each month. Currently I'm going to school for Business, I'm also a partner in a production company, we manage, promote and book events for local bands. My goal is to have my own indie label, like fueled by ramen in the near future. Anyways, this account was created by my dad but he never posted, I figured I would use it to say thanks. Most of my friends are clueless about credit, I'm glad my parents found these boards. I do want to ask, is my plan of not applying for credit for a year a good one? or should I wait longer? Avi

745 was TU

Just tried it out of curiosity. My FICOS on 8/24 were 724 729 745. Credit Karma gave me a 727, so 2pts lower than my mid score isn't too bad. It should come in handy when the gotta get the FICO's urge hits.