r/personalfinance•
[deleted]

Credit Score 610 - 21yrs old

So I have a pretty dismal credit score, I jacked up most of it when I was younger. Had a credit card that stayed maxed out for about 6 months, went about 3 months with no payments. Overdrafted 600 bucks in a month and paid it off about 2 years ago. Still have about $230 on my $700 credit card. And about $800 on my $1800 card. I have a few late payments on my record. http://i.imgur.com/EArmt6b.png

I should finish the payment on my $700 card in about 2 months, the other car will take more time. However, will be paying much more than the minimum, and not be late on either.

I applied for a secured card with a $500 limit and will be used it once every two weeks to purchase protein powder and pay off the credit asap.

Most of the damage does was 2-3 years when I was living by myself, in college and obsessed with partying.

Do you guys have any other advice? Any idea how long it will take for my credit to rise back to an acceptable level?

Posted Apr 14, 2013, 12:55 AM UTC

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