topic Re: How young are you? in SmorgasBoard

How young are you?

tylaw13 — Tue, 02 Oct 2012 05:26:41 GMT

I have always wondered how many people there are on this forum around my age? i know some people mention it but i dont really pay attention so i would like to know who is, lets say 23 or younger, and what are your goals at this point in your life? I think the younger you are with good goals, the better you will be later on in life. I'll start it off.

Im 20 years old, started building my credit at age 18. I have 2 cap 1 cards, a Chase Freedom and an AMEX BCE, along with a 48 month auto loan for my used 2006 G35 at 1.98%.

Income : 41k

My goals include, buying a home for myself by the time im 21 and getting a Chase Saphire Preffered. Once i get the CSP im done getting cards.

So now lets hear what you guys have to say! :smileyhappy:

Re: How young are you?

LSP10is — Tue, 02 Oct 2012 05:37:13 GMT

If you're 20 years old and you've had a credit history since 18 years old, I think you can get approved for Sapphire Preferred. I just got a confirmation for CSP approval emailed to me. I'm 19, have student loans, and my credit scores are almost similar to yours.

GOAL: Buying a home before age 25 and maybe an Amex Black Card or JP Morgan Pallidium x.x before my life is over lol...*cough*

Re: How young are you?

tylaw13 — Tue, 02 Oct 2012 05:50:08 GMT

LSP10is wrote:
If you're 20 years old and you've had a credit history since 18 years old, I think you can get approved for Sapphire Preferred. I just got a confirmation for CSP approval emailed to me. I'm 19, have student loans, and my credit scores are almost similar to yours.

GOAL: Buying a home before age 25 and maybe an Amex Black Card or JP Morgan Pallidium x.x before my life is over lol...*cough*

Well i dont have any cards with 5k limits and thats what they like to see so ill hold off on that so i dont waist an HP. Once i get my 61 day 3X CLI from amex ill be good to go for the CSP.

p.s. is it bad i only want it cause its made of metal? hahah

Re: How young are you?

7PM789 — Tue, 02 Oct 2012 06:10:41 GMT

I'm 23 and my goal is to buy a house with a decent amount of land (20+acres) within the next 5 years.

Re: How young are you?

Tran92 — Tue, 02 Oct 2012 06:33:33 GMT

Are you still going to school? And what line of work do you do to be making 41k as a 20 years old. I'm impressed since I'm almost 20 and no way close to your credit score or income lol. Well I hope as soon as I graduate to find a job and get my own house. That's the plan! Also to be near the mid-high 700s

Re: How young are you?

andre181 — Tue, 02 Oct 2012 06:39:23 GMT

23 here. Currently finishing my last year of grad school.

Re: How young are you?

jsickz32 — Tue, 02 Oct 2012 08:05:48 GMT

21 here

Re: How young are you?

CruzImperial — Tue, 02 Oct 2012 09:44:29 GMT

I'm 20 as well. Short term goal is to get Amex x3CLI. Mid term goal would be to graduate and get a better income.

Re: How young are you?

jsucool76 — Tue, 02 Oct 2012 10:23:31 GMT

19 here. Started building a couple months ago when I was 18.

I just want a good score so in the future i can get good rates on auto loans and mortgages.

Re: How young are you?

roxy382 — Tue, 02 Oct 2012 10:36:28 GMT

21. Would like to buy a home soon. I am married with two kids of my own and one step daughter that lives with me. I'm still a student (pre-law) but if everything goes as planned I will graduate from law school in May 2017! Besides the student loans the drop my aaoa every fall I should have built my credit up pretty well by then.

Re: How young are you?

youngandcreditwrthy — Tue, 02 Oct 2012 12:16:05 GMT

Nice to see responsible young adults like me!
I'm 23

:-) I have far too many cards to list... But most are at $0 bal(charge small things every six mos or so to keep 'em happy).
I pay my own bills btw, not my mommy or daddy...although mommy floats me a few hundred come tax time.
My FICO on TU is 696 per the report Amex pulled yesterday!
I do NOT want to purchase a home-too much of an obligation for me to consider.
I'm about to grad with an Econ degree probs next year.
I love this forum!!!
:-)

Re: How young are you?

obageegee — Tue, 02 Oct 2012 12:18:13 GMT

Yikes, I'm the old man. 50

Re: How young are you?

youngandcreditwrthy — Tue, 02 Oct 2012 12:20:40 GMT

But I bet your aaoa is stellllllaaaaaarrrrrr!!!!!!

Re: How young are you?

RockinRay — Tue, 02 Oct 2012 13:06:43 GMT

I am the old man - 55! But act and feel like 35... :smileyvery-happy:

Re: How young are you?

CS800 — Tue, 02 Oct 2012 13:29:30 GMT

RockinRay wrote:
I am the old man - 55! But act and feel like 35... :smileyvery-happy:

You're my mom's age. I told you i could be your son LOL

Re: How young are you?

jsickz32 — Tue, 02 Oct 2012 13:32:38 GMT

How old are you cs800?

Re: How young are you?

jsucool76 — Tue, 02 Oct 2012 13:34:56 GMT

I could be ray's son too.

I'll be anyones son under one condition; pick up the tab for my college tuition xD only 2 years left……

Re: How young are you?

CS800 — Tue, 02 Oct 2012 13:36:49 GMT

Ray is one of our few with 'Baller' status ..Although he is paying for a college tuition right now.

Re: How young are you?

youngandcreditwrthy — Tue, 02 Oct 2012 13:47:33 GMT

My mom is like 40...she had me young.. thank god that didn't hinder my financial success thus far!!! lol

While you're at it, pay my college tuition hahahaha

:-D

Re: How young are you?

CS800 — Tue, 02 Oct 2012 13:56:25 GMT

jsickz32 wrote:
How old are you cs800?

34 :)