Quote:
Originally Posted by split_joel
Hey, what I mean by new credit is that up untill a year ago I had no banking accounts now I do, I have a car loan, and a cell phone paid by my kick ass boss. I got one credit card with a 500 dollar limit, all payments are on time never been late. Credit score so far is a 652 which isnt good or bad it sucks. Its okay to have 3 years of credit with a score of 620 and get approved but one year with a score of 652 and no one will touch you! I hate credit
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You need some more credit.
The car loan will give you a good payment history.
I have had a cell forever and not once have they reported.
Now do not keep applying for credit, doing this to often lowers your score.
When you do apply for credit go for easy ones, get another low limit card.
Keep both cards paid off at all times.
You would more than likely be a shoe in for a home depot, mervins, or other store card with a 652 score.
Every so often request a credit limit increase on your cards. Ideally in your situation I would say you should have 2-4 cards.