I paid 5k in debt recently and have made money but I checked for the last month and my score only went up 2 points

Barely changed in last year and I've been making moves

Get a credit card and buy everything on it and pay it off every month

Use it like a debit card and not an idiot and you’ll get good credit ez

I opened 2 new cards this year and use them all the time

Do I just have to spending way more?

Just keep paying ur cards off in full every month and it will build

to get into the 800s you need months or years of being under 20% (10% is ideal) credit card utilization, your utilization over all your cards matters and your per card utilization matters

what type of debt you have and the age of the credit lines matters some also and some times i’ve noticed it takes 2-3 months before a big balance pay off gives me a large 10-20 point boost

idk even know where to get a credit card seems like i applied once and didnt get approved can anyone recommend some entry level cards

if you are enrolled in school the discover student card is a great first card that is easy to get

capital one platinum is a good starter card also
also the discover secured card is a sure thing if you have trouble with either of those

im 21 and I dont have a credit card yet. Is that bad?

This but I’m 29 lol

I'm f***ed from identity theft and credit score if 629, literally gotta save for 6 months to get a house

Yes tbh

Extra yes

so you just got 0 credit? at 29????????

i'm working on it but i'm bout to get a house soon so it'll drop to start

it's easy to build credit with teen spending habits like just buy a t shirt once a month and pay it off, should have been building it since high school if you wanted to get ahead of things

people without credit gonna be in shambles any time they want a loan

get on that s*** pronto

A big part of your credit score is the average age of your credit so two cards that are months old will bring it down a bit. Just form a habit of paying everything off on time and avoiding all bad debt and you’ll get there

Nah spend less. I get updates telling me it's better to keep my credit utilization low relative to the credit limit. Like under 30%. Also don't get new cards it hurts your score

You have to have your cards for a while and do a good job paying them off

nah never too late to build credit :)

apply for one now tho

750+ boys wya

bro my mom wont let me have one she says I dont really need one rn since im not really buying anything and I dont have a job. She just wants me to finish school first then ill get one

No you may wanna start building credit tho
I took a loan out and paid it back over about a year at 18