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Anon on credit scores (sh.itjust.works)

submitted 1 year ago by [email protected] to c/[email protected]

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[–] [email protected] 12 points 1 year ago (1 children)

I arrived to the US less than 5 years ago and I have top credit score. I never carry a balance, open credit cards that offer a lot of credit, benefits and bonus to increase my available credit (I have about 6 or 7 cards at the moment) and just wait. In less than a year I already had 740 which was enough to get a car loan with 1.9% apr (lowest offered was 1.85%)

[–] [email protected] 4 points 1 year ago* (last edited 1 year ago)

I’m the same as you, and I think we kinda had an advantage because we started with a blank slate. No student loans (if you arrived as a working adult), no prior debts, and hitting the ground running (if you arrived with a job waiting for you).