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New Contributor
Want2BDebtFreeNow
Posts: 73
Registered: ‎10-15-2007
0

Re: 2010 Credit Card Goals


Jlu wrote:

Just continue the never ending process of chasing your tail while corporations feed off of the sweat and tears of your labor.

 

Makes you feel good huh? 


I don't blame anybody for my poor decisions. None of the credit card companies put a gun to my head and said you need to spend money that you don't have or live way beyond your means so I take full responsibility for my actions :smileyhappy:
As of 11/14/2012 EQ: 672

5 inqs in the last year - October 25, 2012, July 05, 2012, July 03, 2012, June 18, 2012, February 16, 2012

(Report reads them as 3) Your applications for credit in the past year
3 inquiries

Last account opened June 2012

Average age of your accounts
6 years

Number of your accounts with a missed payment
0 accounts

Ratio of your revolving balances to your credit limits
82% (Ouch)
Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012
0

Re: 2010 Credit Card Goals


Jlu wrote:

Just continue the never ending process of chasing your tail while corporations feed off of the sweat and tears of your labor.

 

Makes you feel good huh? 


Was this really necessary? :smileymad:

 

At least he is being responsible and has a plan to pay it off - many in his situation would undoubtedly file BR.

 

OP, good luck with your plan. :smileyhappy:


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Regular Contributor
Middleswarth
Posts: 235
Registered: ‎08-31-2011
0

Re: 2010 Credit Card Goals


TNTransplant wrote:

Jlu wrote:

Just continue the never ending process of chasing your tail while corporations feed off of the sweat and tears of your labor.

 

Makes you feel good huh? 


Was this really necessary? :smileymad:

 

At least he is being responsible and has a plan to pay it off - many in his situation would undoubtedly file BR.

 

OP, good luck with your plan. :smileyhappy:


+10000000

 

Don't blame someone else for your own (fill in with your favorite adjective).

Established Contributor
Jlu
Posts: 783
Registered: ‎06-12-2012
0

Re: 2010 Credit Card Goals

Hey that comment of mine was not directed at anyone. It was just a general observation. I wish OP best of luck! <3

JP Morgan Select $10k | CSP $10k | BofA 3-2-1 $15k | Chase Freedom $10k | Discover IT $10k | Barclaycard $10k | AMEX SPG $5k | AMEX PRG NPSL | Citi TY Premier $7k | NASA Platinum-Advantage $10k | CapOne Quicksilver $3k | Walmart Card $5k | Amazon Card $10k | Chase Auto 1.49% | Joined myFICO 6/12 with a 540 FICO & today I'm over 750!
New Contributor
Want2BDebtFreeNow
Posts: 73
Registered: ‎10-15-2007
0

Re: 2010 Credit Card Goals

I didn't take it that way.
As of 11/14/2012 EQ: 672

5 inqs in the last year - October 25, 2012, July 05, 2012, July 03, 2012, June 18, 2012, February 16, 2012

(Report reads them as 3) Your applications for credit in the past year
3 inquiries

Last account opened June 2012

Average age of your accounts
6 years

Number of your accounts with a missed payment
0 accounts

Ratio of your revolving balances to your credit limits
82% (Ouch)
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: 2010 Credit Card Goals

Good luck to you!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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New Contributor
Want2BDebtFreeNow
Posts: 73
Registered: ‎10-15-2007
0

Re: 2010 Credit Card Goals

Well here we are near the end of 2012. All of the payments that are due in December have already been made.  I've had some setbacks but keep on trucking....   My roommate lost his job and decided to move out, I decided I didnt want a new roommate so I am going to just keep paying the rent by myself until the end of the lease (Aug 2013)

Before 

 

Card # 1 - $7,020.69 (7.9%)

Card # 2 - $4,828.40 (14.9%)

Card # 3 - $4,471.72 (13.24%)

Card # 4 - $4,336.85 (10.24%)

Card # 5 - $3,013.29 (13.9%)

Card # 6 - $2,965.69 (10.24%)

Card # 7 - $1,752.14 (13.24%)

Card # 8 - $   808.50 (19.99%)

Card # 9 - $   206.38 (0.0%)

Loc   # 1 - $2,506.81(15.99%)

TTL           -$31,910.47

 

After 

 

Card # 1 - $7,085.20 - 7.9%

 

Card # 2 - $4,871.92 - 16.99% This is the card that I used to take the cash advance to pay off the negative equity on the car (which I sold to carmax)

 

Card # 3 - $4,287.00  - $2,283.61 @ 22.99% & $2,003.39 @ 13.24%

 

Card # 4 - $4,172.40 - 10.24%

 

Card # 5 - $2,873.19  - 10.24%

 

Card # 6 - $2,867.22  - 13.9% 

 

Card # 7 - $1,182.83 - @ 13.24%

 

Card # 8 - $804.00 - 0% until Dec 2013 with equal payments

 

TTL -          -$28,143.76

 

Progress since last post of $3,766.71.

 

Wish it could be more but a little bit at a time! 

As of 11/14/2012 EQ: 672

5 inqs in the last year - October 25, 2012, July 05, 2012, July 03, 2012, June 18, 2012, February 16, 2012

(Report reads them as 3) Your applications for credit in the past year
3 inquiries

Last account opened June 2012

Average age of your accounts
6 years

Number of your accounts with a missed payment
0 accounts

Ratio of your revolving balances to your credit limits
82% (Ouch)
Blogger
HiLine
Posts: 2,945
Registered: ‎10-19-2012
0

Re: 2010 Credit Card Goals

Wow it's been a long journey! Good luck on your adventure. I'm sure you'll get there. Just remember to always make payments on time, then apply the rest of the available money towards the card with the highest interest rate.

Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012
0

Re: 2010 Credit Card Goals

You're doing great.  I appreciate that fact that you're making the effort to pay this all off, rather than taking another route.  Keep up the good work. :smileyhappy:


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

New Contributor
Want2BDebtFreeNow
Posts: 73
Registered: ‎10-15-2007
0

Re: 2010 Credit Card Goals


TNTransplant wrote:

You're doing great.  I appreciate that fact that you're making the effort to pay this all off, rather than taking another route.  Keep up the good work. :smileyhappy:


Thanks. I am trying! I am really hopping that by the end of 2013 it will all be gone. It's amazing how hard it can be to get out of debt. 

As of 11/14/2012 EQ: 672

5 inqs in the last year - October 25, 2012, July 05, 2012, July 03, 2012, June 18, 2012, February 16, 2012

(Report reads them as 3) Your applications for credit in the past year
3 inquiries

Last account opened June 2012

Average age of your accounts
6 years

Number of your accounts with a missed payment
0 accounts

Ratio of your revolving balances to your credit limits
82% (Ouch)

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