FSUKW wrote:It’s funny, I know guys worth millions of dollars that have 620 Fico and guys with 810 Fico who cant afford to pay attention.
Mines from building mine up the first 8 years or so and then not doing anything stupid to fuck it up.
Started slowly with 1-2 small credit cards at stores I bought clothes at. Had the money to buy what I wanted but would charge it and wait 2 weeks then pay it off to build up a credit report.
Then got a Home Depot card for when I was doing construction and bought the shit I needed there the same way. Drill/ZawZaw/skillsaw kit, chainsaw, and other things.
Then closed it down. Got Best Buy card for when I bought my tv, 1 year no interest so paid it off in 6 months. Did the same thing when I upgraded to 60in like a decade ago and when I bought the PS3. Then shut that card down.
Same with a Walmart card. The only card I ever NEEDED to use was a fucking care credit for my dogs and they got the better end of me but it was paid off.