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A zero balance is a beautiful thing!

Frequent Contributor

A zero balance is a beautiful thing!

Almost everything's zero now! Smiley Happy Aside from one of my husband's that'll report 8% util and one of mine that'll show 2% util. Really needing the extra boost, so hoping to see about 30pts from this..but seeing "New balance - $0" is GREAT!!!

 

Cannot wait to formally kill capital one, credit one, merrick and fingerhut. As soon as we close on our home, these are all meeting my little friend, the paper shredder!

 

Anyone think capital one may make HSBC suck as much as they do, or will they make HSBC better?


Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660



Message 1 of 8
7 REPLIES
Frequent Contributor

Re: A zero balance is a beautiful thing!

Congrats!

 

I think that 0% utilization hurts my score, so I try to report just a little balance on just one card.


CapOne is the devil.

My Wallet:
AMEX Platinum | Discover It $20.3k | Chase Sapphire Reserved $16k | Chase United $12k | AMEX SimplyCash Plus Business $11.6k | AMEX Schwab $9k | AMEX BCEP $8.2k | Citi Costco Anywhere Visa $8k | Chase Amazon Visa $8k | Chase Sapphire Preferred $7k | Chase Freedom $5k | Citi Simplicity $5k | Paypal Extras Platinum $5k | Wells Fargo $5k | Citi Best Buy $4.2k | Citi Visa Signature $3k | Care Credit $3k
Message 2 of 8
Mega Contributor

Re: A zero balance is a beautiful thing!

Congrats!!!!

I was there about 4 months ago, great feeling!!!



EQ FICO 548 3/3/16
Message 3 of 8
Regular Contributor

Re: A zero balance is a beautiful thing!

Congrats! I can't wait to get there next year. One card at a time I suppose!

In full gardening/ debt annihilation mode! (4/15/13)
Notre Dame FCU Visa 0/2k (8/04); CapOne Best Buy 800/1.5k (7\06)
Citi Thank You World MC 4800/9.7k (1/11); Amex Zync NPSL (9/11)
Chase Freedom Visa 1600/3.8k (9/11); Chase Southwest RR Premier Visa Signature 4300/10.7k (6/12); Discover It 0/3k (7/12)
EQ: 751 (4/1/13) EX: 742 (4/8/13) TU: 732 (4/8/13)
Message 4 of 8
Regular Contributor

Re: A zero balance is a beautiful thing!

Congrats! I got there a month ago for the first time in 8 months, but purchased a new computer two weeks later.  Paying it off in chunks, and should be back to $0 in 1 month and 2 days (not that I'm counting down or anything Smiley Wink).  $0 balance is a great feeling!  Congrats and enjoy being CC debt-free! Smiley Very Happy

Amex BCP $20k | PenFed Platinum Rewards VS $16.5k | Amex HHonors $10k
Message 5 of 8
Established Contributor

Re: A zero balance is a beautiful thing!

Congrats! If feels almost as good as new plastic in the mail Smiley Happy

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Message 6 of 8
Valued Contributor

Re: A zero balance is a beautiful thing!

Congratulations!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 7 of 8
Moderator Emeritus

Re: A zero balance is a beautiful thing!

Congrats!

 

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 8 of 8