# Credit Repair 101 **URL:** https://forums.speedlife.net/t/credit-repair-101/26976 **Category:** NYSpeed Off Topic **Created:** [April 2, 2007, 8:00pm UTC](https://forums.speedlife.net/t/credit-repair-101/26976 "2007-04-02T20:00:25Z") **Posts on this page:** 1 **Showing post:** 41
### Author: ![snowracer101](https://avatars.discourse-cdn.com/v4/letter/s/258eb7/32.png) [@snowracer101](https://forums.speedlife.net/u/snowracer101) #### Post date: [November 3, 2007, 1:09pm UTC](https://forums.speedlife.net/t/credit-repair-101/26976/41 "2007-11-03T13:09:29Z")
Sureshot! Read this and tell me how bad I am making my score… I have 2 credit cards along with 3 store credit cards (A/E,express,Macys) I rarley use my store cards, I only signed up because they promised like %30 off my first purchase… I have two visas…one at $800 limit and the other at $500. The $800 limit started at $200 went to $500 and now is $800. I probably have gone over my credit limit on each card about 5 times. I have the money, I just go on spending sprees and forget my limit. I ALWAYS make my payments on time… with the exception of twice.(was out of town and forgot) I also pay my cards off like 2-3 times a month… EX: I’ll purchase $700 on the one card…pay it off… spend another $500 on it…pay it off, then spend another $600 and pay it off before the end of the month… I do this because I order a lot of stuff online…and I NEVER carry cash… Is this negativly affecting my credit score? thanks for the other info too! --- _[View the full topic](https://forums.speedlife.net/t/credit-repair-101/26976)._