Score has went up approximately 20 points since I decided to work on buying a house, but in the last 3 months it’s been creeping at just 2 points each month, and my financial planner suggested a credit card. Today after attempting a secured card twice, I was able to qualify for my 1st credit card, not secured, just me. I feel so grown, now to ensure I am responsible, making on time payments, keeping debt to balance ratio low to increase my score. 100 points to go.
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