Asking for Increases Too Early Kills Trust rule: - Wait to have 3–6 months of clean usage - make Consistent payments during this time period - Be strategic spending (don't max cards) Then request increases before any new applications

If you’re with Navy Federal, they have something called a Pledge Loan that can help boost your score without any risk. You can borrow your own money and pay it back monthly. Then the bank reports it as an installment loan. That helps your credit look stronger. Most people see 50–90 point jumps over time depending on their situation.

Go to creditstrong.com Look into a Revol account And add a $10-15k credit card on your report that can stay on there forever if you wanted to This looks great on your credit profile , helps build your report , & lower utilization

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Adding positive history on client reports ! Imagine waking up to over 20 years of credit history on your credit and high limits