12-21-2012 04:52 AM
This will be easy for me.
0 Applied Secured 250
First Premeir Secured 300
Wal Mart 700
12-21-2012 08:35 AM
12-21-2012 08:43 AM
2011 - None
2012 - Enough
2013 - looking for a little more than enough
12-21-2012 08:46 AM - edited 12-21-2012 08:48 AM
Capital One Platinum Mastercard $300
Capital One Platinum Plus Visa $750
Capital One Business Platinum $750
Orchard Bank $700
Merrick Bank $1,900
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
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!
12-21-2012 09:00 AM
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.
Cap 1: $300
Credit One: $300
Cap 1: $300
Credit One: $400
HSBC (now Capital One): $300
Cap 1 (new): $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!
12-21-2012 09:05 AM
This should be easy to start with -
2011? Nothing. Not a single CC.
2012 - first secured Cap 1 card (200) in Feb.
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
12-21-2012 09:31 AM
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.
12-21-2012 10:31 AM
12-21-2012 10:39 AM
12-21-2012 11:01 AM
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).
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