credit history timeline

  • will have bought my own car

    I will be paying off my monthly car payments on time and in full.
  • completing first year of college

    I will defer my student loans till I graduate college
  • will be working part time

    I will pay off the credit cards I put some of my earnings into early whenever I can, or at least on time
  • Period: to

    1 year from graduation

  • I will have graduated and passed certification

    From this point, I will start paying my monthly student loan payments early/on time and in full.
  • I will be renting on my own

    Making my monthly rent and utility payments on time will help with my credit score.
  • I will still be using the same car

    Paying my monthly car payments on time will improve my credit score.
  • Period: to

    5 years after graduation

  • still renting on my own

    keeping up my timely utility and rent payments will keep my credit score in a good place.
  • will be working full time

    keeping my credit cards at a minimum and not opening multiple will help my credit score stay in its place.
  • in the same profession for 6 years

    I will most likely still be paying off student loans, so keeping up my early or on time payments will improve my credit score.
  • Period: to

    10 years after graduation

  • purchasing + owning a house

    paying my mortgage payments in a timely manner will keep my credit score at a good number.
  • might begin travelling

    paying off the expenses of travel put on my credit card early will help out my credit score.
  • purchasing a new car

    paying my monthly car payments on time just as I did for my last car will support my credit score.
  • Period: to

    20 years after graduation