If you really want to learn how to repair your credit... learn self control. There isn’t a special science. Control. Your. Self.
Oh and play the game. Always ask for an increase every 6 months x3 your original balance. Wait till last day to change your payment date to save yourself an extra month if you can’t pay (also offsets credit report date another month)
If you used that option cop a balance transfer card with 0% interest. Watch out for special rulings for certain cards like the 5/24 from Chase. AMEX be flipping credit lines like it’s bricks and their travel insurance/customer service A1 (they gave me $500 for delayed bags)
Capital One Venture Card is a mile accumulating machine and you can transfer them (got free flights tix from them and TSA/Global Entry). and duh keep your utilization under 12% but play with em once in awhile, put a big balance and pay it off to show you’re responsible.
Been at it for 4 years and I promise you you’ll have $50k+ in credit and a 750+ credit score in no time. Everything else you need to know is on the INTERNET but practice SELF CONTROL. If you can’t trust urself cut them up or give your cards to a trusted individual. Worked for me.
Few more things... use Creditwise. Chill on the hard pulls, call the bank if they do soft pulls (usually when you’re already in their ecosystem they don’t pull your credit) and dispute bad inquires any means possible.
And “3rd party” debt collectors... don’t pick up, they’re recording you to verify your identity to bag that ass. Your original debt was already sold to them, written off as a loss and they’re trying to get a profit.
They can’t do ish if they can’t verify you... I mean your “original” debt wasn’t with “them” was it?
