I finally hit a 750 credit score after 15 years of being careful

I started building credit back in 2009 with a secured card from my credit union in St. Louis, just paying utility bills on time. Last month I checked and saw 752, which felt weird because I still remember when my score was 520 and I couldn't get approved for a car loan. Has anyone else had that moment where a number that used to seem impossible just quietly showed up?

3 comments

3 Comments

spencer9811mo ago

Actually read this article in the Washington Post a few months back that said like 40% of people with scores over 750 had a rough credit past at some point, so you're in good company there. It's funny you mention the secured card from your credit union, @avery_jackson's buddy Kyle story reminds me of my cousin who did the same thing with a secured card from a local bank in Ohio, took him six years just to get a real credit card with a $500 limit. The weirdest part for me was when I finally got approved for a mortgage last year and the loan officer just shrugged when I brought up my old score, like it didn't even matter anymore. I think there's this mental lag where you keep expecting things to fall apart even after the number proves you're doing fine, you know? That morning you looked at 752 probably felt surreal because your brain still has the 520 version of you stored somewhere, worrying about every late fee and minimum payment.

avery_jackson1mo ago

Man, that's gotta feel good. My buddy Kyle went through the same thing, took him like a decade to crawl out of the low 500s after some dumb mistakes in his twenties. He finally hit 780 last year and said it just showed up on his credit karma one morning while he was brushing his teeth, no big celebration or anything.

emerym361mo ago

and the weird thing is, once you get that good score it becomes this invisible thing nobody asks about. my wife hit 760 and when we refinanced the lender didn't even mention her score, just said "looks good" and moved on. all that stress and worrying and in the end it's just a checkbox on someone's computer screen.