I am 25, and my current score is 593. It was much lower. Giving a shopaholic credit cards at 18.. Not a great idea. I wish I could go back in time and smack myself in the head, because I'm definitely paying for it now. I have 20.5% Percentage Rate on a car payment, and I can not get approved for a mortgage. I am slowly turning myself around. I still make a few late payments, but I am getting there.

I have been doing rent -to-own for the past 5 years and have always been on time every month and put out big dwn pymnts and have two credit cards in perfect pay standings and my score on this site is in the low 500's and when i had it pulled from a bank a few years ago it was in the 600's. I'm 34 and i still don't get it. Anybody else out there with this problem?

20 years old and have a 740, but still get turned down for quite a few credit cards

20 here with just shy of 740 for credit score. Opened a secured card at 18, accepted every good card offer that followed. No late payments, pay off everything each month. Hoping to set myself up to get a decent rate on a mortgage in another few years when I buy my first home.

am 26 and I have a triplex and a home that i own i want to refinance my triplex but there telling me that i can't because now i need a cosigner to refinance why is that when i bought the triplex and my home i did not need a cosigner why do i need one nowmy credit is 643 I thought that was good it was higher but my work has gotton slow and my work hours are have been cut or be layoff so I have been days late on some bills this is why i need a loan or refinance my triplex to get out of all my bills the company i pay my triplex to say i need to be behind on my payment befor then could help me now thats dum because then my credit will be worst that what it is can you help or i will have to sell

Getting a credit card early is definitely a good idea. I bought my first home at 22 because throughout college, my parents helped me learn the ropes of credit and advised me to get a credit card, use it for necessities and pay it off every month. If you have the discipline to do that, you can be in great shape! However, you could also max it out if you aren't disciplined. You are much more likely to qualify for a credit card as a student; otherwise, you may have to get a secured credit card (where you deposit money with the issuer for the privilege of having the card and earn no interest on the deposit) until you can build up some credit history. Not making big mistakes when you're young will really pay off!

hi, i just turned 18. and immediatly got a credit card. my credit is almost to the 700's. =]

My score is in the 670's and I'm 19.

well when I turned 18, I tried getting a card and could not get one, I am now 24 years old and still having problem in getting a card, and my score is i the 500"s. Yeah, I been trying since I was 18 to get one, but never happened for me. I was beginning to think that it had something to do with how my parnets score was. Maybe it affected mine in some way, can anyone help. How can I get my score higher?

Hi my credit score is very low like 520's but I had too do a short sale as recently as July 08 how long do I need to wait before I can start to see my score improve. Please help. Thanks!