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  1. Thanks! I have a discover card and check my score on that monthly. I will definitely work on a GW letter Sent from my SM-G920V using Tapatalk
  2. It is my only one, and the account is open and at $0 balance. It is with Cap. One, I know my score is very average, and that is with the fake scores from my credit cards. Still learning on how to get an accurate FICO score. I found this forum researching GW letters
  3. I had one 30 day late in September of last year. How much is this affecting my score? I am around 700, but am wondering if I am missing out on an extra 20 or so points? Really trying to get to 740+, looking to possibly refinance the mortgage, and get a car loan in late 2020.
  4. I had a bunch of CCs with balances on them and making just the minimums was killing me. I was able to get a loan through upstart that has a lower APR and I consolidated all of my payments into one. You can have them draft a payment bi monthly which works well if you get paid every 2 weeks. I have done pretty well with that, and have vitually no CC balances now
  5. lol I will not, I am actually interested on working to pay my debt down and get some scores in the 800s
  6. I use robinhood, and got into options trading on their, you can make some decent money if you are smart.

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