My credit went up by 30 points!

I have never had 'good credit' It's hard for me to get credit in the first place because no one will ever cosign for me. My mom wouldn't when I found a car I had half the money for and would have needed to make payments for the other half. She said that she was afraid I wouldn't make the payments and she'd have to make them. Then I asked my Granny who is really well off and she said Jesus wouldn't want her to! Haha. So, anyhow, I have to just just slowly build it up by paying my bills as I can.

I didn't think my credit was all that bad really when a high score is 850 and a low one is 200 or so. Mine was 550 for years but everyone was saying that was so bad of a score. Seems midrange to me! But, I've been paying my bills as I get them because I'll need a higher score when my boyfriend and I try to buy a house.

I logged on today and my score was 580... so I'm pleased with that. I think it went up because I just got my car insurance on a bill system instead of paying it all at once like I usually do. So, I'm going to stay on top of my car insurance bill and hope that this raises my score some more. But, I'm not going to try to get a credit card or have any checks of that sort until I go to buy a house because I don't need it to slide back down on me!

Comments: 22

William M. Aug 19, 2012, 5:17pm UTC

Congrats on the improvement. Keep it going up

Kimberli T. Aug 19, 2012, 5:31pm UTC

Thank you

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Tim T. Aug 19, 2012, 5:25pm UTC

congrats -- keep up the good work

Kimberli T. Aug 19, 2012, 5:31pm UTC

Thanks

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lena k. Aug 19, 2012, 5:36pm UTC

congrats keep it up

Kimberli T. Aug 19, 2012, 5:38pm UTC

Thanks

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Leah Christensen Aug 19, 2012, 5:53pm UTC

Good for you!

Kimberli T. Aug 19, 2012, 5:58pm UTC

Thank you!

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DJ B. Aug 19, 2012, 5:58pm UTC

Congrats on your score increase, Kimberli! you'd be surprised how fast it can go up if you're never late on a payment. :o)

Kimberli T. Aug 19, 2012, 5:59pm UTC

I hope so. I'm trying to be good with my money even though I don't have much. I'm thinking making my rent might be helping too.

DJ B. Aug 19, 2012, 6:02pm UTC

It sure can--if you rent from a "business" rather then a private person. :O)

Hope you find a house you like soon! :o)

Kimberli T. Aug 19, 2012, 6:09pm UTC

I think that I'm renting from a private person that has his rental property his business. I mean I know the guy that I pay rent too, but when I fill out my money orders I pay them to the name of his business.

I've found a house I like, but my boyfriend wants me to wait for him to get it and he is not ready to move just yet. That's okay, it gives me more time to build up my credit.

DJ B. Aug 19, 2012, 6:16pm UTC

Then if your landlord reports to the BBB in your city it will definitely build your credit. :o)

Maybe you should go ahead and get it in your name and if you decide you like the house but not the boyfriend you can keep the house and chase away the boyfriend! *lol*
But it's much easier to pay for a home with another paycheck coming in, so I hope the house you like waits for you and he to be ready for it. ;o)

Kimberli T. Aug 19, 2012, 6:23pm UTC

He is taking care of his elderly mother right now. Lol and I don't think my credit is quite good enough to purchase a house anyhow. He is definatly a keeper. This is the real deal. Lol And, I get where he is coming from. If I bought the house now and he moved in later he wouldn't feel he had contributed to getting the house really. And he wants to get married sometime in the future too, so I can see it from his side when it is put like that.

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Betty S. Aug 19, 2012, 8:53pm UTC

Way to go Kimberli..

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Rayda Renshaw Aug 19, 2012, 10:11pm UTC

Yah, I'm at 694 and can't get credit with that...lol...I don't know how it all works. Seems pretty convoluted to me. But congrats on the rise. Keep it up.

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