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| Okay, I am thinking of cancel two of my credit cards, which i've already paid off. My question is, will it damage or cause my current score go lower? **I barely use that 2 credit cards**... |
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Or will it be listed on the previous months (Jan.) balance? My due date is tomorrow but I have paid it off but want to buy something on sale tomorrow..it's the last day.
Thanks!... |
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| Platinum visa card ...citibank Visa...... |
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| Can you use a credit card for ebay? |
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 How to start my credit history? |
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usmarine_2005@sbcglo... | Is my credit good for 20yrs old? |
I am 20 years old and have a credit score of 735 from the big 3.
I have a no debt and 7 inquiries on my credit report.
On my report is says I have a debt of 1900 but that has been paid and will update at months end. In addition 5 of 7 inquiries will drop off.
I have 2 CC's:
American Express : $4000 limit
Visa: $3000 limit
Question:
Is my credit score good for my age and wht do you think my projected score will jump to? |
 |
 
kereker
|
Anything over 700 is normaly considered low risk.
Good job. |
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janet h
 |
yes that score is excellent for older adults as well. keep it that way dude. |
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DAS
 |
Your credit is pretty good for your or any age. Keep up the good work, and limit the amount of inquiries this is what is pulling your score down. You need to check your credit report to see if there is anything else pulling your score down. You know the highest score is 850, so you still have something to look forward to. Go for it. |
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Wondering
|
yes, its a very good score. Keep up the good work! Your credit score will go up about 10-20pts. As the previous person said you should at least use your credit card each month, doesn't have to be much, something you can pay off each month (looks good when you payoff debt early). As long as your income is good and it appears you can cover your credit line ($7000 total) you are in good shape. When you want to buy that house in the future, credit scores and history really make a difference, so don't mess it up. Good Work ;) |
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Love in Paris
 |
yes that is very good for your age. If you have so many inquiries and only two accounts did you get turned down for accounts?
A 735 is a decent score esp for your age.
It's hard to tell what it will jump too but inq usually can lower it up to 10 points each one.
And with it showing no debt it might go up another 20 points, but sometimes it's worse having no debt because you are not showing how you repay the debt if that makes sense so I would put gas on it pay it off each month or something. |
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Antony T
 |
sure? |
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N K
 |
For 20 years old, you are doing mighty well. Keep it up! In about 5 more years, if you dont miss any payments and no go delinquint, you should be somewhere around 800. 735 will get you almost anything right now at the best rate possible like cars, mortgages and loans.
You can simulate what your scores will look like in 5 years. Just use it to see what you will be like in 5 years
https://www.credit.com/calculators/score/ |
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phuk it dude
|
735 is excellent |
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daeve930
|
It's good on paper. But the most history you could have is 2 years, which isn't very much. You might be able to buy a car, depending on your income, but even with a nice score like that, I would have to make an exception to approve a mortgage for you, and based on 2 years credit, you'd have to be the son of one of our executives for me to be able to justify a loan for you.
Keep you payments timely. Do whatever it takes to pay on time. Don't get a loan from a finance company. If you buy a used car from a lot (not like a Ford dealer, but someplace like Big Jim's Motor City) don't get the loan from them. Go to your bank or credit union because a finance company is more negative no matter how you pay. Same thing with buying furniture or jewelry...the store's lender is probably a finance company rather than a bank. The source of credit is as important as the way you pay.
Don't use more than about 20% to 25% of your available credit card limit. If you have a total of $7000 in limits, your $1900 is probably ok. But the percentage of credit being used is a very important number.
Go to Experian.com, Equifax.com, and Transunion.com, and read their sites carefully for information about credit works. |
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<3 Italian_Pride <3
|
its actually really good! thats great......you have to keep paying your cc bills in time and in full! you will have it be higher if you make a purchase (such as a car) and make payments each month |
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credit_formula
|
You have a great credit score but what do want to do from here. It depends on you what do want to buy house, car or some others.
In finance business they call this kind of credit " thin credit" , you will be able to get a car loan up to 20k and it depends how much you make per month or term of your job.
Good luck and send me and email If you have any questions. |
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