r/CreditScore

i got my first card just over a year ago, bofa to get 3% on gas, 1% on everything, then got discover, bofa, bofa, and cap one now.

i dont have any auto loans, just good payment history. never been an AU

i plan to get the apple card and venture x eventually, i had an offer from apple but for some reason didnt take it (i was being stupid) and now they wont take me because i have too many hard inquiries (i went for a venture x app hoping they would take me, not long enough credit age which makes sense)

anything else i should be doing?

Cap1 Venture 1
Amex Blue Preferred
Amex Blue
Local credit Union
Amex Gold
Discover Student Card

20M, making a plan to buy a house in about five years, fair salary almost 5k in debt should be debt-free in 2027

But not sure which one of these will be trusted by lenders

I made a terrible financial mistakes 2 years ago, I opened credit cards and realize how hard it was with me being fire from jobs left and right. Therefore I have 2 charged off account but I made full payment last year on January and I was hoping to get some advices from you guys on how I can build my credit up. I been paying on time and made full payment on every statement, but the score isn’t going up.

35 years old and working really hard on rebuilding my 300$ credit line credit score. Any quick ways to rebuild to 690.

Have to express relief here, if you all don't mind. Divorced a spendthrift spouse who used my name without permission to open accounts in my name and was late paying them and other acounts.

Divorced almost four years ago and the last late payment just dropped off a week ago after seven years on my report. FICO 8 shot up 62 points to well into the 800s. Didn't realize it made such a big difference. So relieved. Finally free!

Years ago, in my mid 20s, I made some terrible financial decisions and nearly ruined my life by maxing out all of my credit cards. It took years of hard work and discipline to pay off that debt and rebuild my credit. My comeback started with a Mission Lane credit card. From there, I slowly added new accounts, practiced responsible credit habits and continued rebuilding my financial profile one step at a time. I know it’s ultimately just a number, but one of my personal goals is to reach an exceptional credit score. Looking back at where I started, I’m proud of how far I’ve come, and I’m motivated to keep improving. At the end of the year, I’m going to upgrade my Chase Sapphire Preferred to a Reserve and I’ll also upgrade my American Express Gold to a Platinum. How do you think I’m doing so far???

Ciao team,

New to USA, moved here in October 2025.

I’m in an okay spot. In anticipation of my arrival my bro made me an authorised user on his cards in 2024 which I think brought it to 750 when I got here. Now it’s stagnant - I’m wondering what I can do to reach 850 eventually. I want to buy a home in one year.

3 credit cards totalling 8k. 105k salary. Pay everything on time obviously. No car payment.

Thank you!

FICO: 755

My setup aims to minimize time reconciling month to month while maximizing cashback. It’s not perfect but for a no annual fee cashback focused lineup it’s decent. Robinhood gold card does require gold subscription but my investment accounts are with them.

Business:
Robinhood gold card 3% CB: Catch all business spend
PayPal Mastercard 3% CB on all online purchases through PayPal: shipping labels eBay

Personal:
- AAA Signature Visa 5% CB groceries and 3% Gas in addition I use Upside and Casey’s rewards for extra CB
- Citi Custom Cash 5% CB for the first $500 in spend
on your top spend category. It’ll drop to 1% if you go over that. I use mine for Restaurants
- Citi Double Cash 2% CB for big personal purchases

Any other spend is on debit cards which are Kasasa rewards accounts as well.

I’ve lurked here for awhile now always reading comments on tips and suggestions.
23M and aiming to start the home buying process around October and I’ve finally creeped over 740!
Wanted to celebrate this small win with yal!

20y/o looking for advice on what I can do to increase and new cards for potential benefits I could be missing out on.

Apple Card for almost all subscriptions, delta SkyMiles for overseas flights (fly to AMS a handful of times a year) Discover I am authorized user on moms account for emergencies. Capital one for no reason. Frontier for domestic flights and all food/restaurants (5% cash back) Costco card to hide the frontier details.

25, building my credit up right now.
Got 3 Cap1 cards:
$300 Savor
$500 T-Mobile
$250 Secured
Just got approved for the Savor so things starting to move.
What’s the smartest next step?
Who should I apply with next?
Best way to get higher limits fast?
Credit unions worth it?
Trying to level up quick.
Thanks In Advance 🏂