May 05th, 2017

People always ask me how, so I'll be sharing my personal credit building experience. 
(When I was 18 they gave me a Amex Gold card 💳No limit lol, I went straight to guitar center and bought the MPC 2000xl McD 🎉. Then I lost my job. ☹️ Started ducking the calls for years my credit score plummeted too 400....... There's more to this story I'll catch you next post. Credit Tip # 1 Ignoring the debt, in some cases will make things worse. Get your credit report, make arrangements with creditors. (something's can be wiped with a simple phone call, and could be the first step to getting that score trending up.
Here are some credit building tips. Credit tip # 2 Monitoring 
There are 3 credit agencies Experian , Trans union, and Equifax Each of these agencies have there own way of calculating your scores based on various factors, You get 3 scores one for each. Each of your creditors report to these agencies once a month about your activity or lack there of. When I began to rebuild, my scores were something like this 396 469 458 ☹️. You can obtain a free credit report from each of these agencies once a year. Start there, then you can go get a credit monitoring app called credit karma. This app will monitor your scores for only two of the agencies, but it's still a good way to keep an eye on your scores. (credit karma is not perfect scores can be 20 points higher) so take that into consideration. If you applied tip # 1 And have taken care of any errors on your report you should have noticed a slight bump in your score already. Have a good day people. ☀️ until next time.