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Credit History Timeline-Jalyn Carpenter

  • Paying off my first car!

    Paying off my auto loan or car will help improve my credit and prove that I steadily paid on it.
  • Moving out after Graduation

    Paying rent each month could help maintain a good credit history and prove a good steady income as well.
  • Heading for college

    Heading for college
    I'll start saving money to help with my student loans and any extra payments
  • Graduating College! First Job here I come!

    Graduating College! First Job here I come!
    Getting a steady job will help maintain my credit.
  • My first home and I'm getting married?!

    Getting a mortgage loan to help find the perfect home and make payments on it monthly on time. It will also help that I saved money for my wedding and do not have to overspend or worry about expenses I can not afford.
  • New Car!

    Using installment payments when getting an auto loan and paying them on time will increase my credit and prove my ability to be reliable.
  • Paying off my car

    Paying off my new car after all the on time payments throughout the years has really improved my credit!
  • Officially owning my home!

    Finally paying off my mortgage loan will certainly leave good marks on my credit history and will have improved my credit score.
  • Family Vacation!

    Family Vacation!
    Using my credit card for a vacation with money saved back for the event could prove to be a safer and more rewarding route as it improves my score and I earn benefits for using it,
  • Building up

    I plan to build onto my home and make improvements this will increase my home value which will help with capital when it comes to getting loans.
  • Buying my child a car

    Buying a used car outright knowing that the money is saved back for this exact moment will be amazing! It will also improve my score as I plan to pay the loan back and the entire car off.
  • Time to relax! Let's find a vacation home!

    Time to relax! Let's find a vacation home!
    I plan to use money saved for a down payment and apply for a mortgage loan to help with my vacation home. I can work on both the mortgage loan and work on installment payments to own the home. Playing my cards right!
  • Maintaining a strong credit

    *Pay your bills on time
    *Use installment payments for auto loans when you know you can pay them on time
    *Keep a steady job, do not job jop