Hi everyone. Long time lurker, first time poster.
A little about me and my dubious history with credit. At 18, I opened my first credit card. Made a few payments and then totally ignored it for the next few years. off to a very auspicious start.
I've had car loans here and there. most were paid on time. Some weren't. Never really had credit cards until a few years ago. I paid those sporadically. Credit was secondary to everything.
Fast forward to today. Ive been working on my credit for a little while and have been making progress. I currently have mostly credit builder cards with low limits. a majority have been paid on time for the past year.
1- $200 secured card. All payments have been on time. had it less than a year. One 30 day late payment according to them, due to a billing error. had little success having them remove it.
2- $300 Capital One Platinum that they are super reluctant to give any kind of credit limit increase on even though I have 15 months of on time payment history on that card.
3-$300 indigo card. No late payments.
4- Fingerhut. 7 months old. Paid on time
5- Last but not least, Myjewelryclub- 5k limit. Strictly for utilization.
6- Wells Fargo Dealer Services. 3 years in. 30% on time payments. theres the big issue. Current for the last 6 months but spotty before that. have 30-60 day late payments. Strictly my fault. Everything is on autopay at this point. That way I never get behind again.
I started at a 485 score. Im currently 550-580 depending on which one you're looking at. Watching the score go up is definitely addicting.
Now for my next question. Even though I've paid on time for over a year with Capital One, they refuse to give any sort of CLI. They're using the late payments on the truck as one of the reasons. But beyond that, Im looking for guidance as to what to do next. The only high limit anything I have is the jewelry club card. So I'm asking the Credit Board members to help a reformed credit abuser and point me in the right direction.
Thanks for reading.