S
Stephanie W
Guest
I'm 26 years old.
I have one VISA in active use. I use it for all my spending and never carry a balance of more than $200-300. I have a second card, a Capital One. I carry zero balance and never use it. I have plans to transfer my gas & grocery spending to that card to keep it active.
I have an auto loan with $10,000. Last summer, I was one month late for almost 6 months. I've been solid and consistent for a year.
I payed off my student loans (for one year of college) on time, every time, about three years ago. That's my oldest account.
When I got my credit report, it classified my score as "poor." I'm nervous! Am I doing that badly?
I have one VISA in active use. I use it for all my spending and never carry a balance of more than $200-300. I have a second card, a Capital One. I carry zero balance and never use it. I have plans to transfer my gas & grocery spending to that card to keep it active.
I have an auto loan with $10,000. Last summer, I was one month late for almost 6 months. I've been solid and consistent for a year.
I payed off my student loans (for one year of college) on time, every time, about three years ago. That's my oldest account.
When I got my credit report, it classified my score as "poor." I'm nervous! Am I doing that badly?