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Valued Contributor
SunriseEarth
Posts: 3,051
Registered: ‎08-12-2013

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.




Starting Score: 627 (Merrick, 7/15/13) | Current Score: 668 (Wally, 7/7), 686 (Merrick 6/16) | Goal Score: 700+
Care Credit $10200 | AMEX BCE $4500 | Macy's: Special Events $2900 Store $600 | JCP $1900 | Sony Card $1500 | Walmart Store $1400 | Merrick $1200 | Amazon Store $1200 | Target $1000 | Cap 1 QS1 $1000 | VS $550 | Gold Violin $550 ~~Gardening Since 6/20/14
Valued Contributor
parakleet
Posts: 1,135
Registered: ‎04-13-2013

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
missjae
Posts: 522
Registered: ‎07-18-2013

Re: So far so good....

Congrats and keep up the good work!
Regular Contributor
Startome
Posts: 399
Registered: ‎08-21-2013

Re: So far so good....

Congratulations! And Cats are awesome too. The big ones can eat turtles :smileywink:

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


Established Contributor
lhcole77
Posts: 951
Registered: ‎09-18-2012

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!




EX08 FICO 738. EQ08 FICO 736. TU08 FICO 732.
Frequent Contributor
thelethargicage
Posts: 464
Registered: ‎09-19-2012

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?


"The family who apps together files for bankruptcy together." - Dave Ramsey
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,220
Registered: ‎10-02-2012

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.


$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,220
Registered: ‎10-02-2012

Re: So far so good....

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


$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,220
Registered: ‎10-02-2012

Re: So far so good....

@parakleet thank you!


$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,220
Registered: ‎10-02-2012

Re: So far so good....

@missjae thanks!


$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14

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