All thanks to this subreddit :)
My credit was and has been below average for a year now, and in the last few months (especially the last two months), I've taken it more seriously trying to boost my score. Paying way more than the minimum twice a month to avoid interest charges, and a surprise credit increase I didn't think I would be eligible for. I've gone from a $806 balance (I know not as drastic as most, but I only have the one card) to a $115 balance which will be paid off by the end of the month.
I now feel more confident going into a bank to finance a new (used) car that I so desperately need. My 22 year old Volvo is more than ready to retire.
Submitted January 22, 2017 at 10:26PM by megandrinkscoffee http://ift.tt/2jn7UCg
