Silent-Speech-232

Silent-Speech-232 t1_jeet0ey wrote

My credit is 688 because I do have a credit card keep it under 20% usage and always pay it off. I also had tool payments from being a mechanic which helped. My current car I got a 14%. I don’t have any expenses in utilities besides electric due to having a well. Which is around 150$. I don’t have a car payment anymore due to double payments but that was 480$ a month in double payments. My rent is 200 due to my mother living with me and splitting the rent ( she is not moving out because she couldn’t afford it ). Car insurance is 200$. Phone is 40$. Credit card is whatever I spend on it. 75$ on internet then just small things.

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Silent-Speech-232 t1_jeeqph0 wrote

I don’t have great credit as I’m 20yr old. I did take a 7k loan on a car 2 years ago to start building credit. It has gave me a total of 15 points. Never had a late payment always on time. I called my credit union and the lady said something about because the loan was to small to make a large difference in credit so she recommended a larger loan. I was offered 9% on a 36 month term which would be roughly 630 a month. My bills are low. Because I’m in a poverty ridden area so living is fairly cheap.

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