Rebuilding after divorce
Stereotypical situation where everything was in his name and in the end he began making some really bad decisions and I voluntarily took myself off of authorized user status, which erased over 20 years of credit history.
So here I am a middle-aged person essentially trying to build good credit like a 20 year-old and I don’t really understand the answer to this:
I have Experian alerts turned on. My current credit limit is low enough that if I do something like buy a plane ticket even if I immediately transfer a payment through my bank, it appears that in the interim my credit score drops.
I pay off in full. My credit score goes back up.
I would like to get enough of a credit limit that something as minor as buying an occasional plane ticket or heaven forbid plane tickets for me and my children doesn’t ding my credit
I don’t carry a balance. I pay it off every month.
While I rebuild, I am living with my parents. I don’t have a mortgage. I don’t have student loans. I only have a car payment. A very small car payment.
The one credit card I have is a Chase.
I just wanna get sufficiently high credit that the occasional larger purchase doesn’t ding my score.
Any advice?