Tykimeister
Recycles dryer sheets
- Joined
- Aug 21, 2008
- Messages
- 98
Hello, I recently checked my credit score when I filed my taxes back in April and I was kind of surprised it was rather low. I'm talking in the 650 range. My credit card expired several years ago and I never bothered renewing it because I never used it. So now I applied for a Citi Bank cash rewards card and they won't even give me one!
I have paid cash for my past 2 cars. So no auto loan in the past 15 years.
I had ~$20,000 in student loans and I paid them all off in 18 months, back in 2010.
I have never had a mortgage and rent month to month.
Steady job, same employer for past 9 years.
I get it, I don't buy anything on credit and my financial responsibilities are very limited. But I don't get why my credit score is so low, when some people I know have a mountain of debt and much better credit scores.
How can I raise my credit score in an aggressive manner? I don't have any interest in taking out loans. I could open a new credit card through wells fargo and start using it for every day purchases. This whole system seems flawed and its a little ridiculous.
I checked my credit score on Transunion. It just shows past home addresses, student loans, 2 old credit cards I once had, etc. Nothing major. Nothing else in the report is negative in any way.
I have paid cash for my past 2 cars. So no auto loan in the past 15 years.
I had ~$20,000 in student loans and I paid them all off in 18 months, back in 2010.
I have never had a mortgage and rent month to month.
Steady job, same employer for past 9 years.
I get it, I don't buy anything on credit and my financial responsibilities are very limited. But I don't get why my credit score is so low, when some people I know have a mountain of debt and much better credit scores.
How can I raise my credit score in an aggressive manner? I don't have any interest in taking out loans. I could open a new credit card through wells fargo and start using it for every day purchases. This whole system seems flawed and its a little ridiculous.
I checked my credit score on Transunion. It just shows past home addresses, student loans, 2 old credit cards I once had, etc. Nothing major. Nothing else in the report is negative in any way.