Once upon a time, I had fine but not awesome credit. (It was 720, fyi). I paid on time and I had multiple cards that I used for groceries, my utility bills and travel. OK, I wasn't exactly paying off the full balance every month, but I was in complete control of my debt (I thought).
Then, out of the blue, my credit card company decided to cancel two of my cards because I “wasn’t using them enough,” shrinking my credit limit to almost nothing. My credit score took a huge hit (down to 590, eek), and I had trouble getting approved for more cards. So I made it my mission to make over my credit, and five years later, my score is a near-perfect 815. Here’s how I did it.