osnat678

6 Contributions 920 People Helped

Member Since: October 2011

Most Helpful Contribution

Trends by Age

Nov 24, 2012
Helpful to 905 out of 1047 people

im 19, and have a score of 750. on my 18th birthdya i went to my credit union and got a student credit card, and then proceded to pay it off in full every month. i then got a Macys credit card and paid that off in full. three months later i got a nordstrom credit card and that dropped my score by a hundred points almost. i was looking at a 680. so for six moths i balanced the three credit cards making sure my credit utilazatuion was under thirty percent and paying off almost everything. Because i am impulsive i got in way over my head with shopping and found myself spending my whole pay check to cover myt losses. i soon started a budget for my self and stop using both store cards for awhile. my Macys card raised my credit limit, which helped me lover my credit utilaztion score. My nordstrom sis the same and i paid both off and now barely use my one student credit card. i use each only once a month to buy something under thiry bucks from each store to show i have good standing. i have never missed a payment on all three cards. i now i have a score of 750 again since six mothns has passed since i open my nordstom card. all in all, i have learned my lesson, but am still frustrated by how easy it is to swipe without thinking. This has lead me to leaving my cards at home or in my car. i guess for me it was harder than some because i worked in a mall and was surronded by retail. Now im happy with my score and i got a job at a bank, and i now save money while paying off my student loans. i guess what angers me the most is seeing how much i spent with those two cards and realizing i could have paid of my student loans. i hope other people find something to learn from my story

Activity (6 Total Contributions)

Trends by Age

Nov 24, 2012
Helpful to 905 out of 1047 people

im 19, and have a score of 750. on my 18th birthdya i went to my credit union and got a student credit card, and then proceded to pay it off in full every month. i then got a Macys credit card and paid that off in full. three months later i got a nordstrom credit card and that dropped my score by a hundred points almost. i was looking at a 680. so for six moths i balanced the three credit cards making sure my credit utilazatuion was under thirty percent and paying off almost everything. Because i am impulsive i got in way over my head with shopping and found myself spending my whole pay check to cover myt losses. i soon started a budget for my self and stop using both store cards for awhile. my Macys card raised my credit limit, which helped me lover my credit utilaztion score. My nordstrom sis the same and i paid both off and now barely use my one student credit card. i use each only once a month to buy something under thiry bucks from each store to show i have good standing. i have never missed a payment on all three cards. i now i have a score of 750 again since six mothns has passed since i open my nordstom card. all in all, i have learned my lesson, but am still frustrated by how easy it is to swipe without thinking. This has lead me to leaving my cards at home or in my car. i guess for me it was harder than some because i worked in a mall and was surronded by retail. Now im happy with my score and i got a job at a bank, and i now save money while paying off my student loans. i guess what angers me the most is seeing how much i spent with those two cards and realizing i could have paid of my student loans. i hope other people find something to learn from my story

Someone seems to be using my SS # and it is showing up on my credit report. Who should I contact?

Dec 25, 2012
police
Helpful to 3 out of 3 people

your local police, bring all the info that you have collected to them, from there on you can put a fraud freeze on your acfcount. this limits anyone for applying for credit with you ssi. the police should be able to advise you. you can also do some detective work yourself, by calling the credit card company and asking them what address and info was used to apply for card and you can take it to the police

You show 4 open accounts with Capital One, I only have one.How do I get these off?

Dec 02, 2012
closed cards?
Helpful to 3 out of 3 people

sometimes if you have reported a lost or stolen card, they still show that old card on the report. even if they have issued you a new one and you have settled the dispute

Citi Forward® Card - EXPIRED OFFER

Nov 30, 2012
to easy
Helpful to 2 out of 2 people

CK credit score of 728,  they said my experian score was 701 i was approved for 5000 CL i currently have three other credit cards with aone haveing a 500 CL and the other two at 1000. i applied for it because it seemed like for except for a small amount of people most people got approved. i will be using this card to buy books and a laptop. i am a little uncomfertable with having a limit so high and only being 19. I only wanted something around 1500, but i guess im happy.

i have basically no credit and i've tried applying for credit card but keep getting denined

Dec 02, 2012
start small
Helpful to 2 out of 2 people

Have you considered a secure credit card. its a good way to start building your credit. you pay a down payment of 200 and they issue you a card. you can use it and pay it off and between eight months and a year apply for a regualr credit card. the card might have a CL of 200- and five hundred dollars. i hope this helps

Nordstrom Retail Card

Dec 03, 2012
good card but rewards aren't worth it
Helpful to 3 out of 5 people

Every 1000 dollars you spend they give you a dollar nordstrom note. it really is ridicolous. i mean youd be better of just using your regular cridit card. the rewards arent really worth it.