dmcand3 t1_jaeee7l wrote on February 28, 2023 at 8:58 PM

Okay, 1: stop being fearful of not having a good credit score - holy hell. Also stop “trying” to use more of your credit line to boost your score. Focus on 1: getting your full time job 2: work more or a second job if you want more money and just budget. Everything else will fall in line.

mintjuulpodluvr2000 OP t1_jaefg2d wrote on February 28, 2023 at 9:04 PM

So I shouldn’t use my card more often and pay it off more often to help boost it? There was a point in time where I didn’t use the card for months but unfortunately let the balance sit which was a killer. Also to mention I already work 40 hrs and am not allowed to receive OT. I’ve considered a part time job until I get hired permanently, but I already have limited time as it is :/

dmcand3 t1_jaegiag wrote on February 28, 2023 at 9:11 PM

No, you don’t use a credit card more because you want to boost a credit score. That’s a very stupid decision. Budget your money to the dollar and if you’re responsible with credit cards (it doesn’t sound like you are, no offense) - then use credit cards to pay normal expenses.

mintjuulpodluvr2000 OP t1_jaeh0h6 wrote on February 28, 2023 at 9:14 PM

So what is your proposed suggestion for helping raise fix my credit score. I do need to go up so I can get approved for my next apartment and eventually have more lines of credit. Obviously I’m not good with credit cards or finances or else I wouldn’t be in this situation Lmfao so not really offended by your remarks. I’m just sick of being paralyzed with fear and anxiety because of this and everytime I ask people for suggestions I get such an overwhelming amnt of diff responses

dmcand3 t1_jaehtkh wrote on February 28, 2023 at 9:19 PM

Yea, I’ve been there man. I was bad with finances too. Here’s the thing - you are getting different responses because this finance sub is filled with people that love credit card points and credit scores. The thing is, it’s just a number. Does it make some things easier? Yep! But it is absolutely possible to 1: get an apartment 2: get a house 3: get a car and whatever else without a credit score.

My advice is to stop worrying about boosting your score and start budgeting your money and making that part of your life better. You are admitting that you aren’t good with finances so trying to get more lines of credit or financing more is going to be a bad idea.

Look up Dave Ramsey and The Money Guys and you’ll be good to go.

Ickyhouse t1_jaejqz2 wrote on February 28, 2023 at 9:32 PM

Stop worrying about your score. Fix your debt. A good credit score should never be your top priority.

You are in collections. You have had a massive hit to your credit. Fixing that will be the best step.

mintjuulpodluvr2000 OP t1_jaeh7dq wrote on February 28, 2023 at 9:15 PM

Also to add , not as like more of an excuse or anything But my parents didn’t teach me literally anything regarding finances , so I’m really trying to figure everything out on my own

dmcand3 t1_jaei3qv wrote on February 28, 2023 at 9:21 PM

Dude, me too! It wasn’t until I was 29/30 until I realized how fucked I was with money. But I quickly got it in check and moved forward. Personally, I followed the Dave Ramsey program to the absolute T for getting out of debt and I utilize some other advice for investing, although Ramsey’s will work for most people.

This sub will throw you for a loop wanting you to go into more debt and get more credit cards for “points”. Just be careful.