Hit 720 credit score after 3 years of fixing mistakes from college

I finally broke 720 on my FICO score this morning after being stuck in the 600s for years because of a student loan I forgot about from 2016. A banker at my local Wells Fargo in Nashville sat me down and showed me how to use a secured card and keep my utilization under 30 percent something nobody had ever explained to me before. Has anyone else had that moment where one simple conversation changed how you manage everything?

2 comments

2 Comments

zaranelson6d ago

Sat down with my credit union and they walked me through the same thing. Total game changer.

webb.hannah5d ago

Oh for sure, I did the same thing and it completely changed how I look at my money too.