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Finally got my credit score over 700 after 18 months of work
Honestly, it was stuck at 640 for ages until I set up autopay for my cards and got a secured card from Capital One. Anyone else have a specific tip that helped their score climb?
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karen_sanchez495mo ago
Right, it's just a game to stress us out lol.
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west.richard5mo ago
Honestly, I think people focus way too much on that number. My score has been in the low 600s for years, and I still got a car loan last month with a totally fine rate. The whole system feels like a game to make you stress over things you don't really need. I know a guy with an 800 score who's drowning in student loan debt, so what's it really measuring? Sometimes I wonder if just paying your bills on time and ignoring the score is the better move.
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