New Year, Newly Rehabbed Credit

[aceofspades25]

An unexpected death in the family late this summer caused me to rack up quite a bit of credit card debt and watched my FICO's plumet (new kid on the block, thin file).  I finally paid off all debt last week (!!) and have really enjoyed watching my scores rebound as my balances report to the CRA's.  Back above 730 and still have 2 balances left to clear in the in week... feels good 

Hope everyone else 2014 credit goals are looking good!

Goal for 2014: Chase Freedom! (& maybe a Duck)

[myjourney]

Sorry for your lose stay strong 

[baller4life]

Congrats!!

[otter69]

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@aceofspades25 wrote:

An unexpected death in the family late this summer caused me to rack up quite a bit of credit card debt and watched my FICO's plumet (new kid on the block, thin file).  I finally paid off all debt last week (!!) and have really enjoyed watching my scores rebound as my balances report to the CRA's.  Back above 730 and still have 2 balances left to clear in the in week... feels good 

Hope everyone else 2014 credit goals are looking good!

Goal for 2014: Chase Freedom! (& maybe a Duck)

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Sorry to hear about your loss. Glad to hear you are doing better.

You may want a second opinion, but I think your scores are good enough to join us in the duck pond... or in the adjacent beaver dam.

[aceofspades25]

Thanks everyone, I appreciate the support & condolences.

Otter - I think you may be right, but (surprisingly) being app free for awhile and watching my AAoA grow every months has become almost more addicting that getting "Appoved" messages for CC apps.  I'm thinking of sitting tight until most of my inquiries hit their 1 year mark in April, then app'ing.  The prospect of a large credit limit is tempting to use as leverage for CLI's & my Chase app in the future.  I don't want to app for Chase until I know for sure I won't be given a toy limit.    My thinner file makes me nervous.