I'm new to this forum and the world of credit (somewhat). I plan on making sure this year to come I have solid credit to get a house, and have everything in order.
Here's a brief history of myself:
- 3 years ago I couldn't even get a phone, they claimed I had no credit history, so I went and bought a car with a cosigner that had great credit. So far, I've made payments on time (not 1 month late).
- After the 1st year of paying the car, I found out the credit union were not reporting my monthly payments to the big 3. So, I made sure that was handled, and it's been about 2 years of my history being reported. Even through the course of the months I tried to another phone a year later, but they said the same thing again.
- So earlier this year, I called one of the big 3 (i believe equifax), and found out a company didnt file my insurance for the dentist, and report me. The guy on the phone told me the little credit I had was under delinquency, so I explained what happened, and they removed it. This was around feb-apr this year.
I haven't tried any soft/hard pulls in these months, and I'm trying to figure out what's the next step to achieving great credit? I have no student loans, the car loan is the only thing really tied to my name, and I pay that on time.
I'm guess I need to have a run down of my complete history up to this point first and see where things are exactly at? How can I do this?
Then if it still is not quite up to par, I should go to nearby credit union, and see if I can get a secured credit card? I'm guessing this is another way to build credit along with the car payments.
Thanks to anyone who can give me advice.