Anybody need help building or fixing their credit?

[brooklyn_boulevard]

What’s the point of getting to 800? I heard after 750 you pretty much set for everything

still a rookie at this

just for the cap

 

[LiIZaneFan1978]

What’s the point of getting to 800? I heard after 750 you pretty much set for everything

still a rookie at this

800 just happens. If you’re in the mid to high 700’s long enough you’ll just hit 800 one day.

 

[brooklyn_boulevard]

800 just happens. If you’re in the mid to high 700’s long enough you’ll just hit 800 one day.

I can’t wait

 

[LiIZaneFan1978]

I can’t wait

long as you pay your shyt down to 0 every month and keep requesting limit increases (citi and amex will raise it every 6 months) you’ll hit it.

I was at 520 and applied for like 10 cards within a two week span, which dropped me to 470 from all the inquiries, but when they dropped off two years later I got like a +50 boost which put me in the mid 700’s and didnt negatively affect my average age of credit history since I opened those accounts at the same damn time.

 

[-deleted-]

800 just happens. If you’re in the mid to high 700’s long enough you’ll just hit 800 one day.

oddly enough I figured it was some shyt like this, you never hear nikkas on some Oh I got a 788 or 794, just 750->820 on some 5.2 GPA shyt

 

[hatealot]

Had about 5k on about 5-6 different cards. Was low 600s. Got a consolidation loan and paid off my cards and jumped up about 60-70 points in one month. Now I'm bouncing between 700 plus and 690. I also have a few thousand in various checking accounts. So it shows I have a decent ratio between available cash vs credit utilization %

I got tired of keeping track of 5 to 6 different payments every month. Plus I need to be near or above 700 to get any decent apartment. It really isn't an option for me to have less than 700 when you have nobody to co sign for you and your single.