My credit karma score is 500 flat

[BrothaZay]

That life

what

 

[Uno]

I plan on doing OTR trucking for a year. In that year get a secured credit card,maybe even two if I can. Get one of them places like creditrepair.com for like 6 months. Pay off everything that doesn't fall off. Pay off the secured card balance every month. Do that for a year.

Only thing Im on the fence about is to whether or not I should get a car, and finance it on top of all of this. Since I'll be OTR I'll be living out the truck and won't have any bills besides secured credit card, creditrepair.com(for just 6 months), phone bill(verizon), and a car note + insurance if I take that route as well

Credit repair.com will fukk you up even more. Get one credit card and then wait a year or so to another. Credit card Companies pulling up your credit score also lowers

 

[Reginald Noble]

This is where having moderate level of student loan debt helps. Every payment I make to those fakkits increases my payment history and the length of my oldest account dating back to age 19.

Even if you fukk up a credit card hypothetically, they see you still paying your fixed debt means that your score can only go down but so much. The lowest mine ever been is 600 and that's cause I had late payments trying to negotiate with these a$$holes. But I hustled, upgraded my job with better income and the negotiation was no longer needed.

If you making 45-55k in the South with 25k in Student loan debt it's manageable in about 10 years. Just make sure along the way you get at least 1-2 credit cards because that shyt once you pay it off you don't have any fixed debt to hedge and your CC revolving debt will be all that you have to represent your score. Usually that's when people get the mortgage once the student loan debt is paid that is another fixed debt that you can hedge against.