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Member Since: September 2012
About Me: I am a disabled veteran senior citizen with an AAS in Accounting and a BS in Industrial Management. At the time I joined Credit Karma, I believed in a cash-only life, but after reading the articles here, my mind was changed, BIG TIME. I now have available credit that is about 75% of my annual income, with a below 10% usage rate. The accounts need to age a bit more but my credit score here is Excellent and I plan to keep it that way. Wise use of credit really improves one's life and this is very important on a fixed income. Thank u Credit Karma for this valuable credit education.