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Moderator
Posts: 7,834
Registered: ‎08-12-2013
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Re: So far so good....


BearsAndTurtlesRtheBest wrote:

JUST got back from opening my FIRST checking & savings acct from my local CITI branch and everything was successful. Im going to return in 10 days with my paycheck to deposit money, get temporary debit card, and set up online acct.

Also just paid of dads Brooks Brothers CC that had a $146.00 balance. Its now "0" and will be closed once new statement generates. CL $1,400

Same with dads Best Buy CC it had a $139 balance and its now at "0" and will also be closed. CL $1,200

ALL IN ALL IM FEELING POSITIVE, and seeing the light. I do got WAY more CCs to pay off. "Step by step"

Thanks for all the advice and help my fico family!!!


Congrats on first bank accounts!  That's one of the first steps to personal financial responsibility, IMHO.  Citi is good to get in with, too.  Don't burn 'em, like I did...heheh.




Start: 619 (TU08, 9/2013) | Current: 764 (TU08, 3/25/16)
Sam's Club MC $25000 | AMEX BCE $17000 | Sallie Mae WMC $16500 | Cap 1 QS VS $10750 | Care Credit $10200 | JCP $8000 | Amazon Store $8000 | Discover IT $6500 | Overstock $6500 | Citi DC $6400 | Cap 1 QS WMC $5750 | Macy's Store $5400 | US Bank Cash+ VS $5000 | BofA BBR $5000 | Sony Card $4250 | Macy's AMEX $3500 | Gold Violin $3050 | CU Visa $2500 | Target $1400 | AMEX Costco TE $500 | ~~Gardening Since 11/10/15
Valued Contributor
Posts: 1,145
Registered: ‎04-13-2013
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Re: So far so good....

Congrats! You're well on your way to your goals!


Gardening since 7/16/14
Current: EQ 711 7/13/14; EX 724 TU 721 6/19/14
Goal: 760+
Established Contributor
Posts: 522
Registered: ‎07-18-2013
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Re: So far so good....

Congrats and keep up the good work!
Regular Contributor
Posts: 399
Registered: ‎08-21-2013
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Re: So far so good....

Congratulations! And Cats are awesome too. The big ones can eat turtles Smiley Wink

Current: EQ FICO 0, TU FICO 0, EX FICO 0 | Starting Score: 0 (08/21/2013)

Starting total revolving credit: $0 | Current total revolving credit: $1600.00

Inquiries (12 Months): EQ 3-4 TU Unsure EX Unsure | Most Recent: 8/19/2013


2013 Goals:
1,000.00 Emergency Fund
1,000.00 Emergency Fund, AGAIN
Mechanically Sound Car
Unsecured Card

Fifth Third $300
U.S. Bank Harley Davidson $300
Capital One Platinum $500
2nd Capital One Platinum $500


Valued Contributor
Posts: 2,207
Registered: ‎09-18-2012
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Re: So far so good....


BearsAndTurtlesRtheBest wrote:

JUST got back from opening my FIRST checking & savings acct from my local CITI branch and everything was successful. Im going to return in 10 days with my paycheck to deposit money, get temporary debit card, and set up online acct.

Also just paid of dads Brooks Brothers CC that had a $146.00 balance. Its now "0" and will be closed once new statement generates. CL $1,400

Same with dads Best Buy CC it had a $139 balance and its now at "0" and will also be closed. CL $1,200

ALL IN ALL IM FEELING POSITIVE, and seeing the light. I do got WAY more CCs to pay off. "Step by step"

Thanks for all the advice and help my fico family!!!


Rock on! Step by step....that is an awesome and sound approach.

 

Congrats!

I prefer to learn and share from experience than from speculation
Valued Contributor
Posts: 1,468
Registered: ‎09-19-2012
0

Re: So far so good....


BearsAndTurtlesRtheBest wrote:

JUST got back from opening my FIRST checking & savings acct from my local CITI branch and everything was successful. Im going to return in 10 days with my paycheck to deposit money, get temporary debit card, and set up online acct.

Also just paid of dads Brooks Brothers CC that had a $146.00 balance. Its now "0" and will be closed once new statement generates. CL $1,400

Same with dads Best Buy CC it had a $139 balance and its now at "0" and will also be closed. CL $1,200

ALL IN ALL IM FEELING POSITIVE, and seeing the light. I do got WAY more CCs to pay off. "Step by step"

Thanks for all the advice and help my fico family!!!


Why are you paying off your dad's credit cards?


Senior Contributor
Posts: 4,000
Registered: ‎10-02-2012
0

Re: So far so good....

@oscar_actuary yeah you can say that so at least that ive been there done that with CC debt so I dont do it once I enter my 20's.


Banking with Citi Bank & HSBC, Age: 21
No Credit Cards(Filed current CCs), No Mortgage, No Auto Loan. Starting Fresh.
Filed & Signed Chapter 7 Bankruptcy 03/29/16, 341 Meeting 05/03/16, Discharged --/--/--
Starting scores as of 03/30/16 EX FICO 452, EQ FICO 442, TU FICO 449
Current scores as of 04/27/16 EX FICO 455, EQ FICO 450, TU FICO 441, Gardening Since 01/01/16
Senior Contributor
Posts: 4,000
Registered: ‎10-02-2012
0

Re: So far so good....

@SunriseEarth Thanks! an yeah to the looks of it Citi does look like a great bank Ill keep posted.


Banking with Citi Bank & HSBC, Age: 21
No Credit Cards(Filed current CCs), No Mortgage, No Auto Loan. Starting Fresh.
Filed & Signed Chapter 7 Bankruptcy 03/29/16, 341 Meeting 05/03/16, Discharged --/--/--
Starting scores as of 03/30/16 EX FICO 452, EQ FICO 442, TU FICO 449
Current scores as of 04/27/16 EX FICO 455, EQ FICO 450, TU FICO 441, Gardening Since 01/01/16
Senior Contributor
Posts: 4,000
Registered: ‎10-02-2012
0

Re: So far so good....

@parakleet thank you!


Banking with Citi Bank & HSBC, Age: 21
No Credit Cards(Filed current CCs), No Mortgage, No Auto Loan. Starting Fresh.
Filed & Signed Chapter 7 Bankruptcy 03/29/16, 341 Meeting 05/03/16, Discharged --/--/--
Starting scores as of 03/30/16 EX FICO 452, EQ FICO 442, TU FICO 449
Current scores as of 04/27/16 EX FICO 455, EQ FICO 450, TU FICO 441, Gardening Since 01/01/16
Senior Contributor
Posts: 4,000
Registered: ‎10-02-2012
0

Re: So far so good....

@missjae thanks!


Banking with Citi Bank & HSBC, Age: 21
No Credit Cards(Filed current CCs), No Mortgage, No Auto Loan. Starting Fresh.
Filed & Signed Chapter 7 Bankruptcy 03/29/16, 341 Meeting 05/03/16, Discharged --/--/--
Starting scores as of 03/30/16 EX FICO 452, EQ FICO 442, TU FICO 449
Current scores as of 04/27/16 EX FICO 455, EQ FICO 450, TU FICO 441, Gardening Since 01/01/16

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