Credit questions!?
The key to financial power lies in your credit rating. If you plan to get a home loan, save money and get better credit starting now!
Far and away your biggest problem is a really short credit history. You are 19 and they cannot legally give you credit until you are 18. Your credit history is about one year max which is short.
It sounds like you are doing good in keeping everything up to date. Be sure you continue doing that. Do not close any accounts because your "used credit" to "available credit" ratio will go down but do pay them off so you don't keep flushing money down the interest toilet. Paradoxically, if you can get some of your current credit cards to increase your limit, it will also help your "used credit" to "available credit" ratio.
The 8 hits on your credit report will drop off after two years.
Credit questions!?Ken T and Michael S have hit the nail on the head about why the score is so low. Have a bit of patience. the score will increase as long as you keep doing what you are doing. Once you have established yourself using the methods they described (and what you are currently doing) you will end up with an awesome credit score.
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