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

Reply to comment by dmcand3 in 22 yr old credit questions and advice by mintjuulpodluvr2000

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.