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Established Member
uroosa1
Posts: 61
Registered: ‎07-21-2012

How much available credit after 2 years of credit building?

I was curious as to what others available credit is/was

 after 2 years of building credit?

 

My goal is to get to 60k in available credit by end of 2013 ?


Its now about a year since i started and i am at 14K credit available

 

I always make sure to PIF and keep my utilz under 5%.

 

I just added two AU's with over 6yr history so that should help me

on my next apps.

 

Established Contributor
espnjunkie
Posts: 725
Registered: ‎12-14-2011

Re: How much available credit after 2 years of credit building?

That's difficult to gauge since lots of people have npsl cards. As long as you have enough to meet your needs you're all good pretty much.

“The real measure of your wealth is how much you’d be worth if you lost all your money.” ~Unknown
Merrill+ Visa Signature ($25,000.00), Amex BCP ($29,700.00), Amex Green (NPSL), Capital One Quicksilver World Mastercard ($10,000.00), US Bank Business
TU-778 (04/28/2014))
EX (Plus) - 777 (10/21/2013)
EQ - 735 (April 2013)
New Visitor
AmericanOpportunity
Posts: 6
Registered: ‎12-26-2012

Re: How much available credit after 2 years of credit building?

I have more than $70, 000 in total credit limt after 3 years of building credit. This limit does not inlcude my NPSL charge card from Amex.

Established Contributor
eviLution
Posts: 704
Registered: ‎06-11-2012

Re: How much available credit after 2 years of credit building?

I have $2100 in available credit with 5½ months of history. I'm gonna wait til the 1 year mark to get into the 5 digits! -fingers itching and body starts shaking- lol


Current Score: DCU EQ 714 - EX+ 746 - WM TU 746
Goal Score: 750+

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 6000 - Chase Freedom: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012

Re: How much available credit after 2 years of credit building?

I have $3100 in available credit after 3 1/2 years of rebuilding through revolving accounts. But i only had one credit card for the first 3 years. I will have over $4000 (hopefully $5000) total by March!
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Established Contributor
eviLution
Posts: 704
Registered: ‎06-11-2012

Re: How much available credit after 2 years of credit building?


MovingForward_2012 wrote:
I have $3100 in available credit after 3 1/2 years of rebuilding through revolving accounts. But i only had one credit card for the first 3 years. I will have over $4000 (hopefully $5000) total by March!

My new years resolution is to beat MovingForward's available credit by the end of the year! lol


Current Score: DCU EQ 714 - EX+ 746 - WM TU 746
Goal Score: 750+

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 6000 - Chase Freedom: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012

Re: How much available credit after 2 years of credit building?

Haha! I didn't include that I was going to apply for a Discover or AMEX in Sept. the race is on! :smileywink:
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Contributor
maceto
Posts: 89
Registered: ‎07-17-2012

Re: How much available credit after 2 years of credit building?

120K after 9 months- garden since
Regular Contributor
Bay_Area_Joe
Posts: 243
Registered: ‎10-05-2012

Re: How much available credit after 2 years of credit building?

almost 65k in 18 months.

 

Not bad, but goal is 6 figures by end of 2013.

$ 197,650 IN TOTAL CREDIT LINES.
MyFICO EQ 777 on 9/3/13 , MyFICO TU 787 on 9/3/13, MyFico EX Score 771 on 8/27/13
Pen Fed Visa 19k, Pen Fed LOC 20k, Citi Hilton Honors 15k, Chase Sapphire Preferred 19.9k, Citi MC Diamond Preferred 12.2k, Chase Marriott PR Sig Visa 12k, Chase Priority 5k, Sams Discover 20k, Amex Hilton Surpass 2k, BofA Hawaii 5k
Discover More 16.25k, Chase Southwest Visa 3.5k, Wells Fargo LOC 10k,
B of A Visa 20k, Wells Plat Visa 6.7k RC Willey 5k Discover IT 4k AMEX TE 2k
Valued Contributor
creditnocash
Posts: 2,175
Registered: ‎07-23-2012

Re: How much available credit after 2 years of credit building?


uroosa1 wrote:

 

My goal is to get to 60k in available credit by end of 2013 ?



 


whats your income though? 

 

i had a solid year and half history and went from 3k in aval credit to 21k now. 

my income is around 35k before taxes. 

i plan on closing out my lower limit cards though when i get my higher limit cards. 

 

Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000

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