- Green Member
- Posts: 11
- Joined: Sun Apr 21, 2013 11:15 pm
- Location: United States
Over the past year and a half, I've been steadily building my credit, but I'm starting to level off, and am wondering if anyone has any advice to get to that "next level".
A little bit about me:
I am married and make roughly 40K/year alone, 70k/year combined. My wife has bad credit due to some trouble with student loans before we met, but the only negative mark on my credit history is a lost library book that went to collections for 80 bucks (whoops). Most everything is in my name, except for a few cards we took out in hers to rebuild her credit. She is also an authorized user on most of my cards.
I currently have a car loan with about $10k left that I am paying off faster than I have to (I have a 7% interest rate on it, so I'd like to get rid of it ASAP).
I'm renting, so no mortgage. Rent is $1050/mo.
I also have the following credit cards:
Amex Blue Cash Everyday, 3k limit (Recently raised from 2k based on request)
Discover, 3.5k limit (Recently raised from 3k based on request)
Citi Diamond Preferred, 1.2k limit (Recently Denied CLI request, cited large credit utilization and low scores based on credit report several months out of date.)
Disney Visa Rewards (Chase), 700 limit
Amazon Visa Rewards (Chase), 1.7k limit
TJ Maxx Mastercard Rewards (GE Capital), 3.6k limit
Several misc. store-only cards.
I'm under 20% utilization, and have 3 hard inquiries on my TransUnion CR.
My TransUnion credit score (as per Credit Karma) is 676.
I have a 100% on-time credit history, and my average credit age is just under 1 year.
I pay off all cards not currently under 0% intro APR every month, and keep other cards at below 50% utilization whenever possible.
I'd like to get a house in the next few years, but I know I need at least 700-750 credit rating to get a decent loan. Any recommendations?