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Originally Posted by chane  Not bad, what were they when you started? |
As far as I know I did not have a score. The reason for that is because I had not established credit.
I began with four lone collection accounts. I have since had those removed and right now I have a total of 4 credit items in good standing. What is hurting my scores right now is the short credit history. Most of my inquiries are on my Experian credit report and I have just opened 2 credit cards which is affecting my credit history average.
What I'm going to do to improve my score is keep the accounts open as long as possible, keep my balances low and pay everything on time.