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Valued Contributor
Swapmeet
Posts: 1,569
Registered: ‎11-10-2012
0

Re: Total Credit 2012

This will be easy for me.

 

2011                 2012

0              Applied Secured 250

                First Premeir Secured 300

                Wal Mart 700

                 USAA 4000              



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Senior Contributor
jsucool76
Posts: 3,600
Registered: ‎12-11-2011
0

Re: Total Credit 2012

At the end of 2011,i had 0 credit.

Now ive got a cap1 @ 3500,a WF @ 600, walmart @ 800 and paypal at 700.

If my math is correct that is $5600 not bad for starting my credit journey in june.

Thank you myfico!
Valued Contributor
Duncanrr
Posts: 2,843
Registered: ‎06-08-2012
0

Re: Total Credit 2012

2011 - None

2012 - Enough

2013 - looking for a little more than enough   :smileyhappy:



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Established Contributor
sccredit
Posts: 951
Registered: ‎09-14-2012
0

Re: Total Credit 2012

[ Edited ]

December 2011

Capital One Platinum Mastercard $300

Capital One Platinum Plus Visa $750

Capital One Business Platinum $750

Orchard Bank $700

Merrick Bank $1,900

Total $4,400

 

December 2012

Chase Freedom $3,000

Citi - Home Depot $3,000

USAA Rewards AMEX $4,000

USAA Rewards MC $4,000

Citi Hilton HHonors Siggy $7,000

Comenity Smile Generation $7,500

Care Credit $7,800

Citi TY $8,000

Discover It $10,000

DCU Platinum $10,000

Cap One Spark Miles $10,000

Chase Southwest RR Siggy $10,500

Total $84,800

 

Add on top of that an Auto refi from 10% to 2.8% at my local CU and a new mortgage of $309,000 at 3.5%

 

Definitely a good year.  2013 will mean breaking the $100k barrier on available credit!

 

Unsecured Credit: Amex BCP $24,900; Chase Sapphire Preferred $24,200; Discover It $12,500; Chase Ink Cash $15,000; Chase Slate $13,500; Citi TYP $12,900; Amex SPG Biz $3,000; US Bank Platinum $8,600; DCU Visa $10,000; Logix FCU $15,000; Citi Home Depot $8,800; Lowes $5,000; Care Credit $6,000; Penfed Platinum Sig $16,000; Barclay Arrival Plus WEMC $5,000; Bank of America World Points Business Visa $8,000; US Bank PLOC Overdraft $1,500; US Bank Edge Rewards Business $10,000; PenFed PLOC $5,000

New Contributor
zullyquirke
Posts: 107
Registered: ‎07-22-2011
0

Re: Total Credit 2012

I've been in rebuilding mode for the last year and a half, and now that I've finally crawled my way out of most of my historical baddies my focus is on maintaining a good current credit history. So not a lot of huge changes this year, but I'm in gardening mode with a few baddies looking to fall off and a few CLI's in my future so we'll see how 2013 does for me. :smileyhappy:

 

2011:

Cap 1: $300

Credit One: $300

HSBC: $300

Total: $900

 

2012:

Cap 1: $300

Credit One: $400

HSBC (now Capital One): $300

Cap 1 (new): $500

Total: $1,500

 

Total increase: $600

 

I also have a new auto-loan for $15,000, completely under my name with no cosigners. May not seem like a big deal, but given that my credit score was once in the 400's it made me pretty excited to have a degree of financial independence. My score still isn't great, but at least it isn't terrifying! :smileyhappy: 

 



Starting Score: TU - 580 (7/22/11) ..... EQ: 561 (7/22/11)
Current Score: TU - 622 (10/24/13) ...... EQ: 656 (3/26/14) ...... EXP: 620 (3/26/14)
Goal Score: 700 by 12/31/14


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Regular Contributor
bbrannan
Posts: 199
Registered: ‎12-11-2009
0

Re: Total Credit 2012

This should be easy to start with -

 

2011? Nothing. Not a single CC.

 

2012 - first secured Cap 1 card (200) in Feb.

 

Since then:

Orchard Bank - 300

USAA Platinum M/C - 2000

USAA Amex - 2000

NFCU Flagship Visa Sig - 10,000

NFCU CashRewards Visa Sig - 12,500

NFCU LOC - 15,000

Lowes - 2300

Home Depot - 2500

Walmart - 3000

Amazon - 4000

Old Navy - 2000

Discount Tire (Care Credit? GE)- 1200

Amex BCE - 1000

Amex Zync - NPSL

Cap 1 Cash Rewards - 3500

 

Total = $61,500

 

Cards: AMEX Zync NPSL, AMEX BCE, NFCU LOC $15K, NFCU Visa Signature cashRewards $14K, NFCU Flagship Visa Signature $14K, USAA Platinum M/C $3.5K, USAA AMEX $2K, Capital One Cash Rewards $3.5K, WalMart $10K, Lowes $10K, Home Depot $8250, Amazon $4K, Discover IT $1K

Starting Score: EX: 570 EQ: 520 TU 602
Current Score: AMEX EX:717 MyFico EQ 688 Walmart TU 749 MyFico TU 740
Goal Score: 750+ across the board


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Frequent Contributor
bluesnowman
Posts: 464
Registered: ‎10-29-2012
0

Re: Total Credit 2012

2011- None, was afraid of using credit and did not want debt.

2012: BOFA Cash Rewards-700, Citi Forward- 1.5k, Discover More- 1.5k, AMEX PRG-NPSL. Scores are 700+.

2013- Hopefully Freedom and BCE. Then done for a pretty long time. 

Bank of America: Cash Rewards.-1,000. 4/25/12 (CLI Increase 6/15/13), Citi: Forward- 3k. 10/27/12 (CLI on 2/8/14, SP). Discover: More- 2k. 10/27/12 (Increase 6/1/14). Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 2.4k. Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-4k.12/8/13. Last App: 1/8/14.
Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012
0

Re: Total Credit 2012

Let's see. There isn't much there for me either. 2011-orchard bank $1100 CL, still $1100
2012-added Green Cap1 Cash Rewards Card $2000 CL, also was approved for my first tier 1 lease for a brand new Acura TL has month
2013- closing on a mortgage, Cash Rewards card should be at $2500 by March, and in the summer I plan to app for a Chase Sapphire card and then be done. I think 3 charge lines is enough for me.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Total Credit 2012

2011:
Only had between 8k-9k of available credit.

2012:
I now have $51300 of available of credit
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Established Contributor
emptypockets
Posts: 989
Registered: ‎02-03-2009
0

Re: Total Credit 2012

I went from $110,000 in 2011 to $172,050 in 2012. Didn't realize how much it went up until I added it up just now. Added many new accounts in 2012, and received some CLI's (all SP's and Auto CLI's). 


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Nordstrom Visa,US Bank Cash+, Chase (5), Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (4), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, Macy's AMEX; Several store cards.

Current Scores: EQ (6/14): 800; TU MyFico (6/14): 814; Walmart TU Fico 08 (10/2014): 813; EX (6/14): 775

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