I am 20 years old turning 21 in November. My transunion is 593 and my equifax is 607 according to credit karma. I have zero clue about credit and it’s been a lot of guess work and I’m getting out of the military in a year. I will need a house by then and I’m going to have a job that’ll pay roughly 90-110k a year.

CREDIT HISTORY:

From Credit Karma I have 2 credit cards both at about 90% which I’m about to pay down to 10%. I have a pay day loan almost paid off. TransUnion say 21 hard inquiries and Equifax says 15. My credit age is 1yr 3 months. Payment history is 98%. I have one late payment on it. And I have 7 total accounts. A car payment in my name which is current and so is the payday loan. I make roughly 35k a year after taxes. I usually have about $200-$400 left after all bills are paid each month.