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I shared my INQ list the other day and as promised my list of credit cards and debt has been finalized and I want to share... I am open to all and I hope I can take some positive and negative thoughts about my next steps from you all and I hope I can also share what I feel I have done wrong, What I have done right and what I think about next steps and how I can help any others. I will also note that I removed myself from about 20-30 AUTH Accounts late last year right before I went on the APP Spree... Many will wonder why I would continue to apply when I have so much debt and so many INQ, but I felt it was better to get them now so they will be much older and able to grow slowly as the other debts start to be paid down. *I will note very quickly I have to leave in about 30 minutes so if you ask a question and I don't get back to you right away I will later this afternonn!*
1. All 3 of my credit reports show between 65-90 accounts. The list you are going to see below are only the accounts that are still reporting open/active or some other state but with a balance.
2. I have tried to list out what accounts I own myself, What I'm Joint on, What I'm AU on, and What I don't pay... The balances should be very close to current as of today info:
Company | Date Opened | Days Open | Credit Line | Balance | Interest Rate |
USBank - Joint Closed - Locked in at 4.9% for 48/m at $424/m - 45 to go | 11/1/2005 | 2251 | $22,500.00 | $17,380.53 | 4.90% |
Chase - Joint Closed - Paying $300/m - it's a Signature Card and High Bal is $15,900. so actually that util is wrong. | 5/1/2005 | 2431 | $13,900.00 | $12,603.76 | 11.90% |
Navy Fed. Auto Refi - Joint - 36 months at $295/m - 35 to go - this replaced my 17% Santander Loan!! | 11/1/2011 | 91 | $10,060.00 | $10,060.00 | 3.52% |
Navy Fed. Credit Card - Auth. - I don't use or pay | 11/1/2011 | 91 | $25,000.00 | $2,775.00 | 7.90% |
Dillards Amex - Joint - CLD 2 months ago from $3500 - dont use | 1/1/2008 | 1471 | $2,350.00 | $2,291.76 | 21.99% |
Macy's Amex - Joint - Was $12k CL then payment plan, then $0 and closed and then they re-opened at $500 and CLI to $2k at 6 months, will probalby pay off in next 3 months or so because it's up for CLI then. | 4/1/2008 | 1381 | $2,000 | $1,950.00 | 24.50% |
Toyota Visa - Joint - I don't pay | 1/1/2010 | 751 | $1,300.00 | $1,160.94 | 15.99% |
Barclay Apple - 0% currently | 11/1/2011 | 91 | $1,300.00 | $1,118.42 | 22.9% in July |
CareCredit - Friends Account - I pay $100/m but it's not on my CR - to be PIF before 0% is up - he opened for me when my tiny dog bill went to $2600 about 8 months ago for hospital stay. she is good now! | 6/1/2011 | 241 | $5,000.00 | $1,100.00 | 0.00% |
US DEP ED - Student Loan - I pay $50 | 10/1/2009 | 841 | $1,180.00 | $891.00 | 6.50% |
GECRB/PayPal MC - My Daily Card - PIF | 11/1/2011 | 91 | $2,000.00 | $857.08 | 23.99% |
Von Maur - No fees or interest ever, it auto bills minimum which is 20% of bal. not in util. | 4/1/2010 | 661 | Charge | $321.00 | 0.00% |
GECRB/Lowes | 12/1/2011 | 61 | $500.00 | $271.33 | 24.99% |
Bloomingdales Store - Joint - PIF this month | 4/1/2000 | 4261 | $6,800.00 | $234.00 | 24.50% |
GEMB/Walmart | 11/1/2011 | 91 | $800.00 | $140.36 | 22.90% |
Macy's Store - 6 showing!! - **info below** | 4/1/2008 | 1381 | $10,700.00 | $0.00 | 24.50% |
Macy's Furniture Line | 1/1/2010 | 751 | $5,800.00 | $0.00 | 0.00% |
Macy's Furniture Line | 8/1/2008 | 1261 | $3,600.00 | $0.00 | 0.00% |
HSBC/Best Buy Store - Auth. | 1/1/2003 | 3271 | $2,900.00 | $0 | 0.00% |
HSBC/Saks - Joint | 11/1/2007 | 1531 | $2,500.00 | $0.00 | 0.00% |
Credit First - Firestone | 4/1/2008 | 1381 | $1,500.00 | $0.00 | 0.00% |
Target - $300-$800/m and PIF multiple times a month... Recent surprise CLI by $500. | 8/1/2008 | 1261 | $1,500.00 | $0.00 | 22.90% |
WFCB/Venue | 2/1/2009 | 1081 | $1,500 | $0.00 | 0.00% |
Kay Jewelers | 4/1/2010 | 661 | $1,000.00 | $0.00 | 0.00% |
GE/American Eagle - Auth. | 1/1/2002 | 3631 | $900 | $0.00 | 0.00% |
GE/Abercrombie - Auth. | 2/1/2000 | 4321 | $750.00 | $0.00 | 0.00% |
GECRB/Chevron | 1/1/2012 | 31 | $650.00 | $0.00 | 26.99% |
HSBC/Best Buy Gold MC | 7/1/2010 | 571 | $305.00 | $0.00 | 23.99% |
Target | 6/1/1999 | 4561 | $300.00 | $0.00 | 22.90% |
Target | 3/1/2009 | 1051 | $300.00 | $0.00 | 22.90% |
Capital One | 12/1/2011 | 61 | $300.00 | $0.00 | 17.99% |
Target | 8/1/2009 | 901 | $200.00 | $0.00 | 22.90% |
GECRB/Gap - Auth. - As you can see CLD to $124 for non use. | 1/1/2002 | 3631 | $124.00 | $0.00 | 0.00% |
Total Days | 46143 | ||||
Final Line Information | Total Years | 126.4191781 | $129,519.00 | $53,155.18 | 11.83% |
Av Year | 3.8309 |
****I currently owe nothing to any Macy's Store or 0% Club Accounts including Furniture but wanted to note my credit report shows 9 accounts for these type of accounts, all $0 though.
Additional info:
I filed Ch 7 BK in 2001 - it's off reports
I filed CH 13 BK in 2007, Dismissed in 2010
I have 1 PD Cap 1 Charge-off
I have 1 PD Santander Car Loan Charge-off
No Collections, No Judgements
Thank You all for your time.
So... is the goal here to pay down all these balances and get out of this debt without BK. I think you have a nice setup to do it, and I wish you the best of luck!
I would cut down some accounts after all is paid and done, and focus on keeping 3 good favorite cards in use.
Wow. I don't know whether to be impressed you got all that credit, or to cringe at looking at the balances on it. I think if I had that burden over my neck, I couldn't sleep at night, I can't stand letting a 20 dollar balance go 3 days without paying it.
Thanks for sharing that, that takes courage.
@smc733 wrote:So... is the goal here to pay down all these balances and get out of this debt without BK. I think you have a nice setup to do it, and I wish you the best of luck!
I would cut down some accounts after all is paid and done, and focus on keeping 3 good favorite cards in use.
Yes, NO BK!!! I really kick myself constantly about filing the 13... I was concerned about the mortgages from a somewhat scam I got myself into and the company went BK and I had just started my own company and of course you "Hope" that when you open a company it will be successful so I didn't want any mortgage company to be able to come after my assets later so i did the 13, at time I was 1 year off from being able to 7 again. Learned big from this one.
and I also agree about 3 or so cards... If I don't head in this new career path im currently researching we would be best served with Amex Blue Preferred 6% Grocery and Citi Foward for eating out and Target for the 5% and 10% wine.
How did you get this info in this format?
@LilloEsquilo wrote:How did you get this info in this format?
I did it in Excel and then copied the part I wanted to post (I left out payment info and due dates etc.) I copied and then pasted in a Word Document... I was actually surprised that all cells and rows did not move or change when I made the Word file or when I pasted here... MyFico did give me that red warning we changed blah... but I looked over again and it was still fine and submitted with okaying the error change.
Three years ago I was $35K in CC debt and $10K behind on my mortgage. It was a long road out, but it can be done. Best of luck to you.
I can barely keep track of 7 cards, LOL!
That's a lot of debt...best of luck to you in paying it off.
I'm curious how you talked Macy's into opening back up your closed AmEx.