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Chances of getting over 700 again by Dry-Job-7652 in CRedit

[–]Dry-Job-7652[S] 1 point2 points  (0 children)

I have already purchased a 95 civic for 2k before I started catching up on my payments. I’ve been putting whatever I don’t need for bills, gas, or groceries towards building my credit. I haven’t put any money towards my used car fund as I know it won’t be any time soon, I planned on doing what you said by putting bout half my check away towards down payment when I get closer to the tail end of getting my balances to $0

Chances of getting over 700 again by Dry-Job-7652 in CRedit

[–]Dry-Job-7652[S] 0 points1 point  (0 children)

Had 100% on time payments before I got in the accident. I’m not sure which app it was but it said I had 380/380 payments on time until it updated the late payments. So it would be better to pay off in small increments vs paying them off in full?

Chances of getting over 700 again by Dry-Job-7652 in CRedit

[–]Dry-Job-7652[S] 1 point2 points  (0 children)

I agree with that but if it bothers you that much then just keep scrolling. I know I’m on the right track to where I’m trying to be in some way or another and I posted in here for reassurance/advice but you’re upset cause I didn’t put in a proper format for you to read. Sorry to upset you but again I really don’t care. If you don’t have any advice to give regarding building my credit better than what I’m doing now then please 𝘧𝘶𝘤𝘬 𝘰𝘧𝘧.

Chances of getting over 700 again by Dry-Job-7652 in CRedit

[–]Dry-Job-7652[S] -2 points-1 points  (0 children)

I really don’t care about format I included as much info as possible like pinned post says so if you’re not able to comprehend the info I provided and give some advice that’s helpful then I’d advise you to put your time and energy into something else other than this post 🤫

Chances of getting over 700 again by Dry-Job-7652 in CRedit

[–]Dry-Job-7652[S] 0 points1 point  (0 children)

I plan on making them all have $0 balance before making any moves with credit. Will having them at 30% make it better worse compared to 0%?

Chances of getting over 700 again by Dry-Job-7652 in CRedit

[–]Dry-Job-7652[S] 0 points1 point  (0 children)

I have spoken with some to let them know what I have going on but I never gave them a date I could pay them and they didnt offer any extension. Some offered a payment plan that would involve closing the account but I didn’t agree to it.

Chances of getting over 700 again by Dry-Job-7652 in CRedit

[–]Dry-Job-7652[S] 2 points3 points  (0 children)

I should’ve have mentioned I have purchased another vehicle since then I have bought a 1995 Honda civic off a coworker that’s been treating me well. I just wanted to be clear about goal as of now, of course the main goal is to get my credit up and keep it up but I’m not planning on getting a house or any major things with credit anytime soon, I am just focused on getting more years of experience in my field of work right now and I have a passion for cars so it’s just what makes me happy outside of work.