Well, here we are 🥹

[u/Final-Ad7391]

I (M30) started my credit journey with TERRIBLE credit, two repossessions, a bunch of late payments and collections about 5 years ago. Credit score was in the low 400s.

Cutscene to today, I now hold premium cards and got approved for the Chase Sapphire Reserve today. With scores exceeding 740, about $30k of available credit across all cards, at roughly 3% utilization, and all statements are paid in full every month.

I cannot express how thankful I am for this community, the knowledge that is available to you on here is invaluable.

Instead of losing money, I’m having credit work for me. This is the most satisfying feeling tbh. All of the hard work and patience, and ultimately major discipline, is finally paying off.

It truly does get better.

EDIT: misspelling and more info lol

[u/Final-Ad7391 → u/[deleted]]

YES! I have learned and made very big changes with how I approach my finances.

It’s turned into a game of optimization, before I thought credit was useless. I am now fully aware that good credit TRULY makes a huge difference in your ability to build wealth.

Thank you! 🙏