- Centurion Member
- Posts: 179
- Joined: Fri Apr 12, 2013 4:47 pm
- Location: Indianapolis, IN
My parents got into some serious credit trouble about a decade ago and they're rebuilding now. I was told all my life credit cards are a bad idea but I always noticed my grandparents used them for everything, had no major debt, and lived in nice houses. I put the two together at 18 and got my first card. 4 years later, I drive a 2013 car (8 years newer than my parents) and have thousands of dollars of emergency funds available to me. Most of my family don't have those luxuries.
Credit is an incredible thing when used correctly, and opens huge numbers of doors.
Scores on the mend...
FICO: 650 (Discover/TU, 6/23/2016)
Cards I Use Citi Double Cash, Chase Amazon, Capital One QuickSilver
Sock Drawer Discover IT, Citi Diamond Preferred, AE Visa, QuickSilver One, Walmart CC, CareCredit, CreditOne (keeping for history for now)
Short Goal Reach 680