I didn't have bad credit, I just had no credit. This was because I hadn't had any debt in years & I had never even had a personal credit card before.
My credit score really didn't matter to me because I didn't ever plan to borrow money for anything.
But, that did mean I couldn't apply & be approved for some of the best travel cards. That wasn't a big deal, but it did interest me in bumping up my credit score to qualify for these cards. The best cards often require a fairly high credit score, usually 750+.
Here's how I went from no credit to a credit score of over 800 (while still remaining debt free):
- I opened an entry-level card with USAA, my auto/homeowners insurance provider. They were willing to let me open a card with no credit due to my long payment history of my insurance premiums. But it didn't have great travel benefits & my credit limit was extremely low, I...