This was an interesting topic to read through so I'm bumping it 5 days later
I was a titanic fool in my early-mid college years. We're talking ignoring daily calls from Discover demanding I pay my past due balance levels of foolish. I didn't even realize the repercussions, which is of course my own fault but also god damn those kinds of things need to be required curriculum in schools. Also why did my parents not warn me, I mean jesus. I only had one credit card but it was maxed out and I could not even make the monthly payment of $35 without asking for help from parents/whomever considering I was a full-time college student and was also working as many hours as I could take without going full-blown insane and still had to live off of like $50 a week after rent/utilities.
Anyway my credit score was pretty atrocious for a while obviously but now that I've grown into a reasonably responsible adult (I still make some stupid purchases here and there but I never miss payments!), I've gotten my score way up to a currently Credit Karma-estimated 696, which feels pretty nice. It's not the best score but it's good enough to make me not a complete biohazard to banks. Definitely on the lookout to make some big purchases in the next couple years too like a house potentially by 2020. Bought an engagement ring a month ago which I'd like to have paid off within a year, and then I have a credit card with a small balance of like $400 and another credit line with about $1100. If I can pay all that off by next year the only debt I'll have to worry about is student loan debt...which...is massive so it's not like I'll be out of the woods, but...yeah...
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