How long will it take me to get 'good credit'?

[Anonymous No.12544765]

>23 years old
>got my first CC about 2 months ago.
>Use it fairly often.
>$500 limit
>Pay it off during the month (as I have the money available)
>No debt otherwise

How long until I can expect to have 'good credit'? A year, multiple years? Are there any 'tricks' to getting good credit?

[Anonymous No.12545230]

I post here like once a year. Congratulations. I have had a 700 credit score for my entire adult life . I'm here to tell you, it doesn't fucking matter and its just a number Jews point to when they want to justify an interest rate.

[Anonymous No.12545261]

>>12545230
Ok , how about having $20 million net worth and a 500 fico score.
Your $20million is shit.
These Jews run the fucking world

[Anonymous No.12545443]

>>12544765
There ARE tricks to boost your credit.

1.) Pay your bills on time. I can't stress this enough. Late payments last almost a decade on your credit report. Always make payments bigger than the minimum payment due.

2.) Open up a new credit card every year. Request limit increases on your cards every 1 to 1.5 years.

3.) Do not rack up debt on your cards equal to or more than 50% of your limit for a long period of time. Try to keep your balance as low as possible.

4.) Use your card for as many purchases as possible. Get a cash back card, it adds up. (I recommend Chase Freedom for you, and Chase Freedom Unlimited as your score goes up)

5.) Check your credit score at least once a year. If it goes above 700, apply for an American Express or a Discover Card and use them as your primary.

t. 750+ credit score; parents with 800+ credit scores.

Good luck, Anon.

[Anonymous No.12545604]

>>12545443
thanks. is 750+ a great score ?

[Anonymous No.12545640]

>>12545604
Absolutely.

800+ is almost unheard of. My parents are treated like royalty by banks when credit scores are checked.

[Anonymous No.12545724]

>>12545640
Not unheard of but diminishing returns on score increases the higher you go. Took me ~10 years to break 800 from first 1k limit college credit card, prepaid car loan and never had a mortgage. And yeah diminishing returns for score over 760 from creditors too

[Anonymous No.12545773]

>>12545724
I agree with you. I said almost unheard of, not impossible. I've been working on breaking 800 for years as well.

Wasn't bragging, just exemplifying the great benefits of having excellent credit.

[Anonymous No.12545813]

>>12545604

Just got justed on my credit score... was sitting at 720 and building for last 2 years. Screwed it in college with a phone bill I tried to challenge. Got my first credit card and car loan. Here I am using the cards on purpose to build credit... first card is a shitty $300 limit capital one any smuck can get. Go to increase limit after 2 years and find out I missed 2 payments and it’s locked... wtf been working 45 days straight bc I work on a boat. Went from 720+ to 640 over $120 on my shitty secondary card. Normally keep that and my main high limit card paid off every month but I just totally forgot about it... justed by the Jews so hard

[Anonymous No.12545839]

>>12545813

Lesson learned, just use your shit card for sketchy transactions and pay it off right away... I see my main card balance every day on my bank app, was totally clear there. Anyone think calling capital one will fix some of my score? Like if I say I’ll leave a positive balance? Does that even help?