r/CreditScore

Sadly, I have no need for a loan right now, so it's useless.

I've always had good credit, haven't struggled with debt, but I don't think I've ever seen it perfect.

I pay off my credit cards on time, but often have a high balance in the meantime. It's been absurdly high lately, I feel like everything has gotten so expensive, and I've gotten lazier about frugal habits as I've gotten older. I do have a mortgage, so not debt free.

Wow! I’m still in shock that I’m finally here. After almost 2 years of consistency, discipline and learning. I started off with no credit cards and a score of 540-570 (between the credit bureaus). I started with getting one secured capital one cc and paying it off and now I’m at 3 unsecured (Navy Fed More Rewards, Cap1 QS and Cap1 Savor) with total limits around 40k. I hope these new scores allows so much more freedom and choices as I prepare to purchase my first vehicle.