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Valued Contributor
Posts: 2,978
Registered: ‎02-09-2012
0

$0.00 balances across the board

...that is all :smileyvery-happy:

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Valued Contributor
Posts: 2,371
Registered: ‎03-15-2012
0

Re: $0.00 balances across the board

Congrats???

Valued Contributor
Posts: 1,345
Registered: ‎03-24-2013
0

Re: $0.00 balances across the board

no debt!
CHASE FREEDOM | CHASE RITZ | AMEX BCE | | BOFA REWARDS | CITI TYP | DISCOVER IT | CHASE CSP
--------$32,000-------------$25,000---------$22,700-----------$18,000------------$11,000--------$8,750----------$5,000----

FICO - TU: 780 EX: 785 EQ: 760
Super Contributor
Posts: 6,569
Registered: ‎04-07-2008
0

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
Posts: 87
Registered: ‎03-29-2013
0

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
Posts: 657
Registered: ‎06-27-2012
0

Re: $0.00 balances across the board

congrats :smileyvery-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
Posts: 2,262
Registered: ‎07-23-2012
0

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 :smileywink:

Current: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:6


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
Posts: 1,043
Registered: ‎02-03-2009
0

Re: $0.00 balances across the board

That's Great!! Good job!!

 


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (5), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, DC Premier MC, Macy's AMEX; A few store cards.

Current Scores: EQ My Fico (12/14): 785; TU MyFico (12/14): 793; EX (My Fico): 765; Walmart TU Fico 08 (1/2015): 788
Contributor
Posts: 87
Registered: ‎03-29-2013
0

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 :smileywink:


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


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
Posts: 3,096
Registered: ‎01-26-2012
0

Re: $0.00 balances across the board


Repo-ed wrote:

...that is all :smileyvery-happy:


Awesome man.  CONGRATS!

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