Monthly I probably spend 100$ atm as my Cost of living is low thanks to my boyfriend. But I need to get a credit score so that possibly one day we can get a mortgage or worst case scenario I need to get my own apartment or something.
I followed my friend who works in a banks advice and she said to get two secure cards to build my score faster. (One with discover and other with my credit union bank I've had since 16).
I currently don't work but have a decent savings from when I did work, due to illness but I don't qualify for disability due to rarity and it's complicated.
Would 50$ on each a month still build my score, I don't understand much about credit scores or how to build them and my friend wasn't great at explaining like I'm 5.
I was approved yesterday for two different secure credit cards. (Coming in 2 weeks)
Was it the right decision to get two? Should I (or can I even) cancel one before it arrives if it was bad or just roll with my bad choices if it was bad.
Is my spending enough to build a score? How long will it take to get from zero to mortgage worthy (I know mortgage is more than just score but my boyfriend works and I plan to as well) how long to get to average of above average score?
Submitted March 18, 2021 at 06:50AM by seraphaye https://ift.tt/3ttWmAH
