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Valued Contributor
Posts: 1,569
Registered: ‎11-10-2012
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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
Super Contributor
Posts: 7,534
Registered: ‎12-11-2011
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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
Posts: 2,858
Registered: ‎06-08-2012
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Re: Total Credit 2012

2011 - None

2012 - Enough

2013 - looking for a little more than enough   Smiley Happy

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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Valued Contributor
Posts: 1,527
Registered: ‎09-14-2012
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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!


Starting a whole new chapter
New Contributor
Posts: 107
Registered: ‎07-22-2011
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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. Smiley Happy



Cap 1: $300

Credit One: $300

HSBC: $300

Total: $900



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! Smiley Happy 


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
Posts: 199
Registered: ‎12-11-2009
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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
Posts: 476
Registered: ‎10-29-2012
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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.- 4.2k. 4/25/12 (CLI Increase 6/15/13, CLI May of 2015, sept 2015), Citi: Forward- 4.5k. 10/27/12 (CLI on 2/8/14, SP, CLI on 9/26/15 sp). Discover: More- 7k, 10/27/12 (Increase 6/1/14, CLI in May of 2015, SP 9/2015) Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 5k (EX CLI HP 9/2015) Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-5k 12/8/13 (CLI on 9/2015) Capital one VentureOne Visa Signature-10k (9/6/15). Citi AAdvantage Platinum Select World MasterCard-4K. Last App: 9/6/15. Total cl: 45,300
Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
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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! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Valued Contributor
Posts: 1,989
Registered: ‎06-25-2012
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Re: Total Credit 2012

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

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)
Valued Contributor
Posts: 1,107
Registered: ‎02-03-2009
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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, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (4), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 801; TU MyFico: 799; EX (My Fico): 797

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