u/Drowsyuwu

Credit/Loan Lineup Feb 2026 → Aug 2026

**OLD (Feb 2026)**. FICO 8 FICO 8
700s 760s
Credit Cards:
- Credit One – $500 (closed 8/10)
- Indigo – $300 (closed 8/10)
- US Bank Shield – $500
- Chase Freedom Unlimited – $500
- Milestone – $500 (closed 1/2026)

Loans:
- Navy Federal pledge loan – 15% paid
- Kikoff credit builder – 11 months left
- Ava credit builder – monthly

Banking:
- Chase debit
- Navy Federal debit

**NEW (Aug 2026)**

Credit Cards:
- Fidelity Rewards Visa – $500
- Navy Federal More Rewards – $11,700
- US Bank Cash+ – $1,000 (upgraded from shield)
- Chase Freedom Unlimited – $1,000 (CLI)

Loans:
- Navy Federal pledge loan – 92% paid
- Kikoff credit builder – PAID OFF

Banking:
- Chase debit
- Navy Federal debit
- Fidelity Cash Management (new)

Current credit score before the 2 new card hit is 760-768
Between all 3 credit company’s

Any tips or advice would be greatly appreciated. I’m looking to maintain this setup for a while to age my accounts. I’ve opened two new cards, closed two others, and paid off two more. The next step is to use my Fidelity card frequently and pay it off to get a credit limit increase. I’m happy to be able to close my predatory accounts and start fresh. All my cards are currently paid off, and I’m paying them off weekly.

26M After two years, I had a credit score of 498. I had multiple missed payments, collections, and charge-offs. Currently, I have one late payment on my Experian and TransUnion accounts, but none on my Equifax account. I don’t have any collections or charge-offs on my accounts at the moment. My average credit score between all three bureaus is currently between 740 and 760. At the beginning of the year, I opened an account with Navy Federal. I just applied for their credit card and was able to get approved for a credit limit of $11,700. I’m really proud of myself for this accomplishment. If I can do it so can you

26M After two years, I had a credit score of 498. I had multiple missed payments, collections, and charge-offs. Currently, I have one late payment on my Experian and TransUnion accounts, but none on my Equifax account. I don’t have any collections or charge-offs on my accounts at the moment. My average credit score between all three bureaus is currently between 740 and 760. At the beginning of the year, I opened an account with Navy Federal. I just applied for their credit card and was able to get approved for a credit limit of $11,700. I’m really proud of myself for this accomplishment. If I can do it so can you