mendelssohn

Not only are most the the companies that rent tradelines scams, with recent negatives, your FICOs probably won't change much, if at all. You need to focus on removing the negative information and make sure you have 100% on time payments going forward. Setting up the minimum payment on auto pay is an insurance policy against future late payments.

You definitely have one or more negatives on your credit report if it came back around 650. Get real paper copies of your credit reports and see what's going on.

0% utilization is not ideal, but don’t confuse utilization with carrying a balance.

As soon as possible after the age of 18. I will say though there is no point in building up a credit file with AU accounts for minors. I've seen some people post about that on here in the past, getting a credit file established at a super young age, and you get the same benefit from adding an AU to someone's credit file today as you would have if you added it 10 years ago. It also makes them more susceptible to fraud since there is an active credit file. That last part was for others reading this, not for your case.

Thanks, and good luck!

I went a couple years ago on Chase UR points transferred to United to book Lufthansa business class.

Discover is quirky, which is why most people who have other options don't bother with them. I would not lose any sleep over closing the account.

I'm not sure how much of this applies today, but I was in a similar situation with student loans. This is a long thread, but you can see the strategies I attempted along the way. https://creditboards.com/forums/index.php?/topic/524818-mendelssohns-road-to-760/

1.25% cash back on all purchases looks really attractive. 🤮

Send them a picture of you laughing.

Maybe buying a pencil now and then? 😁 Sorry, I couldn't help myself. I haven't been here in a while.

Is Ron1 still around go GP?

Glad to see the name Vulture stuck. 😂

Just to note, a late payment will report for 7 years, not 5. I’d focus on financial health and on time payments instead of FICOs for now. Your FICOs will recover if you need to close the account to ensure financial health.

I closed my Discovery card about a year ago when I was thinning the herd.