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My first day CC Debt Free

Regular Contributor

My first day CC Debt Free

All the checks have been written and transfers made.

 

For the first time in my adult life, I am 100% credit card debt free.  1 year ahead of schedule.  It is a very liberating feeling.

 

Thank you to this board.  I learned a lot of valuable things!!

Message 1 of 17
16 REPLIES
Moderator Emeritus

Re: My first day CC Debt Free

 


anevilpetingzoo wrote:

All the checks have been written and transfers made.

 

For the first time in my adult life, I am 100% credit card debt free.  1 year ahead of schedule.  It is a very liberating feeling.

 

Thank you to this board.  I learned a lot of valuable things!!


 

Let me be the first to congratulate you. You deserve a round of applause!!!!

 

 

From a BK years ago to:
9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772

You can do the same thing with hard work

Credit Scoring 101
Common Abbreviations
Frequently Requested Threads
Whats In Your FICO Score

Message 2 of 17
Valued Member

Re: My first day CC Debt Free

 


anevilpetingzoo wrote:

All the checks have been written and transfers made.

 

For the first time in my adult life, I am 100% credit card debt free.  1 year ahead of schedule.  It is a very liberating feeling.

 

Thank you to this board.  I learned a lot of valuable things!!


High fives!  Welcome to the club.  Bask in it all you want because you earned it. 

 

Message 3 of 17
Moderator Emerita

Re: My first day CC Debt Free

Woo-hoo!

 

Good for scores, but unbeatable for personal freedom. Congrats!

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 4 of 17
Valued Contributor

Re: My first day CC Debt Free

Congrats!!

 

Don't be surprised if you feel a little confused for a while at certain times of the month...at first, you'll feel the urge to write out checks or make online payments, and then there'll be this "lost" feeling, 'cause you won't know what to do with all that money you used to send off...Smiley Happy

 

It's a nice problem to have.

Message 5 of 17
Regular Contributor

Re: My first day CC Debt Free

 

Awesome! Congrats... it's a great feeling.

Current Scores (as of 04/22/13): EQ FICO=795; TU FICO =766; EX =763

BankAmericard Cash Rewards ($20,000) | Amex Platinum (NPSL) | Amex Clear ($20,000) | Amex Blue Cash ($2,500) | Chase Freedom ($11,000) | PenFed Platinum Cash Rewards ($5,000) | Barclaycard Apple ($5,000) | Discover More ($6,500) | BankAmericard Cash Rewards [Authorized User] ($15,000)
Message 6 of 17
Regular Contributor

Re: My first day CC Debt Free

 


Uborrow-Upay wrote:

Congrats!!

 

Don't be surprised if you feel a little confused for a while at certain times of the month...at first, you'll feel the urge to write out checks or make online payments, and then there'll be this "lost" feeling, 'cause you won't know what to do with all that money you used to send off...Smiley Happy

 

It's a nice problem to have.


 

Easy solution...SAVE IT (or at least part of it) for an emergency fund each month. That way, if something unexpected comes up, you may not have to "hit the cards" to cover it.

 

Congrats!

Hard work & patience can go a long way!
8/2009 (myFICO): TU - 599, EQ - 656
7/23/2010 (LO pull): TU - 738, EQ - 801, EX - 785
4/12/2012 (myFICO): TU -778, EQ - 791
Message 7 of 17
Established Contributor

Re: My first day CC Debt Free

First of all.. Supa Congrats. Secondly.... TYVM for sharing this awesome post.Smiley Wink

Message 8 of 17
Super Contributor

Re: My first day CC Debt Free

Congrats!

Message 9 of 17
Moderator Emeritus

Re: My first day CC Debt Free

 


anevilpetingzoo wrote:

All the checks have been written and transfers made.

 

For the first time in my adult life, I am 100% credit card debt free.  1 year ahead of schedule.  It is a very liberating feeling.

 

Thank you to this board.  I learned a lot of valuable things!!


Congrats, you're free! Freedom!!!!!!!!!!!!

 

Message 10 of 17