So I was able to get everything on autoPay and I sat down with my list of debt and how I was going to pay them off and if I needed to apply for more credit. I had a family emergency come up and had to max out one card and it dropped my score down 28 points within 1 month so keep this in mind how much that card utilization is key.
a few things I will be working on within the next few days :
– Magnify Money (Secured Card Blog Post):
– Self Lender (credit builder tool): http://thebudgetnistablog.com/2016/new-credit-builder-tool/