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$0.00 balances across the board

Valued Contributor

$0.00 balances across the board

...that is all Smiley Very Happy

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
23 REPLIES
Valued Contributor

Re: $0.00 balances across the board

Congrats???

Valued Contributor

Re: $0.00 balances across the board

no debt!
CHASE FREEDOM | AMEX BCE | | BOFA REWARDS | CITI TYP | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$13,000---------$18,200----------$15,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 781
Super Contributor

Re: $0.00 balances across the board

Congrats !

 

By next year, I will be there too. Well minus my car payment and mortgage but no CC debt




Contributor

Re: $0.00 balances across the board

I thought 1% util is better than 0?


Amex BCE $17,600 | CSP $6,200 | PayPal Extras MC $3,000 | Discover $3,000 | BofA $3,000
Last app: Oct 1, 2013. No app until 2015 or new credit card with big bonus introduced.
Established Contributor

Re: $0.00 balances across the board

congrats Smiley Very Happy

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Valued Contributor

Re: $0.00 balances across the board


minipoly1 wrote:

I thought 1% util is better than 0?


for score purposes it is. but for not having too pay anything its not Smiley Wink

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Valued Contributor

Re: $0.00 balances across the board

That's Great!! Good job!!

 


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (4), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 801; TU MyFico: 799; EX (My Fico): 797
Contributor

Re: $0.00 balances across the board


creditnocash wrote:

minipoly1 wrote:

I thought 1% util is better than 0?


for score purposes it is. but for not having too pay anything its not Smiley Wink


Haha, I think you do have to pay, it's the matter of paying BEFORE or AFTER statement cut Smiley Wink


Amex BCE $17,600 | CSP $6,200 | PayPal Extras MC $3,000 | Discover $3,000 | BofA $3,000
Last app: Oct 1, 2013. No app until 2015 or new credit card with big bonus introduced.
Valued Contributor

Re: $0.00 balances across the board


Repo-ed wrote:

...that is all Smiley Very Happy


Awesome man.  CONGRATS!

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