How long for my credit score to go up?

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How long for my credit score to go up?

Postby TzarJay » Sat Nov 19, 2011 11:44 am

Im 19 and i'm from the United Kingdom. I've had a bank account in my own name for about 4 years, which has at least 2 direct debits that come off a month which i've never missed. Ive never missed a payment for any thing in my life, and have always kept my bank account well in credit. Also I have stayed at the one address all my life.

I recently got approved for a Capital One progress card, which i've had for about 2 weeks now. Ive used it about 4 times and payed off the payments already, which i plan on doing, and not letting a big lump build up. I was planning on using about £50 a month on it and paying it off in full.

How long will it take for me to build up a decent credit score if i keep doing this? and what would be my rough score just now? I tried Experian Credit Score check, but it was very confusing and the documents they sent me were a load of crap.

I was hoping to get a American Express card after my credit score goes up, but the AmEx range in the UK is pretty bad.

Thanks for your help. :D

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Postby Money card » Sat Nov 19, 2011 11:13 pm

you are only 19 years old, you already have 1 credit card the Capital1. I wouldn't worry about raising your credit score. If I were you I would just go out and enjoy your card and pay your bill in full.

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Postby amexguy321 » Sat Nov 19, 2011 11:49 pm

hey tzarjay

i am a year older than you, but i can tell you what i did to raise my score an get some cool cards...

1. i opened an account with bank of america when i was 18
2. after using their card for about half a year, i applied for the barclays miles and more and got a cl of 1k
3. after about 1yr of using it, barclay raised my limit to 2k
4. almost another year has gone by and i applied for amex zync and hhonors amex... both approved

pay all your bills on time, never miss a payment... in a few years you will be good to go!

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