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  1. super helpful! i guess i'll continue researching those cards lol thank you for all your help!
  2. this is great advice and something i will work to incorporate into my mindset moving forward. it's all very exciting! my average age of accounts is 5 years and 8 months because of the student loans which were opened 10 years and 8 months ago. my credit card history is actually quite new, as i started accounts when i started my process of improving my credit last summer. my oldest account is from july 2020 and it's a secured open sky card, the second card is my capital one platinum secured in september 2020. capital one allegedly graduates but they're apparently v
  3. phew, definitely very overwhelming and a lot to consider. it seems like the amex gold is going to give me the most benefit based on my current spending habits and i can brand out from there. while, i love the lounge / travel benefits of the platinum, i typically have access to the delta lounges because of my purchase / hate arriving to the airport early so the benefit may not be worth the high yearly fee. how often do you recommend applying for new cards / building out your credit file? also, any suggestions on closing my secured cards as i begin to open
  4. thank you so much! i'm so thrilled and can't wait to continue my credit journey! answering a few questions below: 1. i'm okay to bounce between cards to get different values! what would you recommend in terms of timeline of applying for my first prime credit credit card and then my second one? 2. i would say restaurants / dining are my biggest spend - probably 6/7 nights of the week - but in a non-pandemic world travel travel is very big on my list. traveling once or twice a month for work and pleasure. i will be spending a little more time cooking at home over the nex
  5. hi everyone! wanted to give a quick update 5 months later. i was able to fully rehab my student loans, keep my balances low on my secured cards and make sure my credit report stayed in good standing. with the loans moving to open and good status and falling off the closed account section, im proud to say my credit is now sitting at 755 on FICO! i just wanted to thank you all for your advice and help throughout the start of my credit journey. i wanted to also ask if you have any recommendations on a non-secured to apply for with my score !!
  6. There is one student loan remaining that was closed in 2016 and had 13 missed payments from 2010 to 2016. The balance is 0 but that's it, so I'm afraid it still might be affecting me. I definitely want to look into a citi card but they apparently don't do pre-approval's anymore and I'm nervous I'm not quite there to be approved yet.
  7. Any suggestions on creditors that use this? My score is only 645 still so not sure if it's even high enough?
  8. Yes, they'll let it be mailed to me ! I just wanted to check to see if I should be alarmed about anything, but like you mentioned I will take the significant score increase and continue rehabilitating my loans in the meantime. Once, that is all done and I pay my balance if the loans don't pop up as paid and good standing, I'll check in with Equifax.
  9. I'm using Experian which uses the FICO model! They have a three credit bureau option that updates every week, as well. Last week the accounts were still on the Equifax report but not the other reports. I looked at Annual Credit Report and it says online delivery for Equifax is unavailable.
  10. Something interesting happened today and wanted to see if anyone had any experience with this? As mentioned, I am in the process of rehabilitating my loans. For this to work, you must make 9 out of 10 payments on time and your student loans will be removed from default and put in good standing / have all charge offs removed. Today, my Experian updated all three credit reports and the Equifax report has all three closed / defaulted student loans completely removed - not even in the open account / good standing section of my report. Both Experian and Transunion still have them under
  11. Very real! I will move forward and pay those off, as planned. One other point, I'd love some feedback on and clarification. I have been paying off my balance before the statement hits which then reports 0% utilization. Someone mentioned "0% utilization is not ideal, but don’t confuse utilization with carrying a balance.". Should I wait until my statement and then pay off my balance or continue the way I have been going for the most impact? I still keep my balances below 10% so the most utilization it would ever report is 10%.
  12. Thanks for the feedback, appreciate this advice! Also to note, once the student loans exit the rehab process they will go current, default will be removed and there will still be a balance - so I will have three revolving open accounts. I plan to pay them off immediately but is there any value of leaving them open and paying the monthly payment?
  13. I hope you get this resolved - obviously not an ideal situation during a pandemic. Have you ever had issues with them before? I have had the bank for quite some time now and never had any problems. Did they give you any clue or "reasoning" as to why they closed your account? Even if the reason is not valid. I ended up getting the secured card and can't really close it now with risk of hurting my credit more. Thanks for this information! I currently have three cards and was planning to build my credit with this. I have heard a lot of negative feedback about secu
  14. Helpful, thank you! I think I ultimately got discouraged because it dropped me back under 600 when I had gotten it up to 607. Will press forward!
  15. Was wondering if anyone might be able to help me with my most recent score drop. I logged on today and noticed my Experian score dropped 14 points. The only change that was updated was my new balance on my Open Sky card with a limit of $500 which was $0 compared to $35 before. This is because I paid the bill and haven't used it again since. Can you credit score drop because you don't have a balance on your card? Is 0% utilization worse than say 7% utilization? Thanks all!
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