Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!


Posted in Credit Scores
Profile Image

Question By

0 Contributions
0 People Helped
How to improve and diversify my credit?
First I already own my home that I did not buy with a mortgage or loan. My vehicles are paid for without a loan. I really don’t need to buy anything I just want my credit to improve for what might happen in the future and better insurance rates. I have zero debt. Currently I have 3 credit cards one I pay all my bills with and I pay each charge as soon as it goes through, one is the card I keep in my pocket for my purchases that I pay off as soon as each charge goes through and the last is my first secured card that I started my credit with that I really don’t use. I keep it active because it my oldest account. My history is young only 1 year and 6 months. I know time will help but what else would be a good option without just paying interest on a loan I don’t need? I know good payment history is the most important, I'm paying on time, mostly ahead of time.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.


Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.