- Green Member
- Posts: 23
- Joined: Thu Apr 12, 2012 8:08 am
- Location: QUEENS, NEW YORK
Long story short... I had old credit debt that I paid off the end of last summer... My credit score then was in the 590's
Since then I sent paid letters to the credit bureaus stating everything was paid off
11/11 My mom put me on as an authorized user on her oldest card
Recently, (april 2012) I applied and have been using the good ol Mastercard with the 500 dollar limit. Also got myself a 300 dollar secured Visa from my local Credit Union...
I have been using these properly, leaving a small balance on the MC and paying off the secured card. Granted its only been 2 payments...
I was even thinking of taking out 2 secured loans for 1000-2000 dollars just to try and get the score up...
I checked Credit Karma for the 1st time today and to my surprise my score is 593!
I gotta be doing something wrong... I thought at the very least paying off my old debts would have got me to at least 600... Even if its 5 points off, I still havent gotten anywhere...
Although, Credit Karma states that my utilization is 31% adding my moms total credit line in with my 2 small cards... Is that bad??
If anyone has any ideas or help Id really appreciate it... Im really trying to do this the right way (this time) lol