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Regular Contributor
calichik555
Posts: 177
Registered: ‎04-28-2008

Re: Would anyone mind sharing with me?

well these were all at zero but i just moved and bought furniture.  Luckily i'm not too worried about my score right now as i'm not buying a house or a car anytime soon.
 
discover $4k / $1600 bal
BofA $3k / $600 bal
Orchard $1k / $67 bal
Capital1 $500 / $42 bal
03/2009 - TU: 679 EQ: 670 EX: 670
7/2 - TU: 666 EX: 668 EQ: 673

"If at first you don't succeed...skydiving isn't for you."
Frequent Contributor
niecey89
Posts: 401
Registered: ‎05-01-2007

Re: Would anyone mind sharing with me?

[ Edited ]
Walmart           410/326     (pay off 11/2008)     19.87%
Avenue             470/0                                          22.8%
Capital One      500/455     (pay off 2009)          14.15% w/AF
Capital One      2500/2484  (pay off 2009)         19.90%
Citibank            2800/2702  (pay off 2009)          14.99%
Orchard Bank  500/360      (pay off 12/2008 if not sooner)  14.90% w/AF
Ikea  300/0
Children's Place 250/0
 
Sallie Mae 36,000                                 11.5%,7.5%,5.75%,5.75% (4 loans):womansad:
AmeriCredit (Nissan Xterra)  25,000    13%
 
 
Yeah I know I am screwed as well. All the pay offs are projected dates. (maybe one missing one or two accounts ..they have zero balances) :smileysad:


Message Edited by niecey89 on 09-23-2008 12:09 PM
FICO Scores 7/15/2008: EQ 600, TU 546, EX 490
9/17/08 - TU 571,12/17/08 649,3/16/09 638, 6/14 642
ScoreWatch 12/17/08 EQ 646, 1/2/ 09 664, 2/2/09 684,2/12/09 673, 2/16/09 688, 2/27 674,3/3 682,4/16 685, 6/28 679
1/2/09 EX 668 2/13/09 669
AS of NOV08 I am Credit card debit free. I AM A MYFICO.COM ADDICTED :smileyhappy: ~
Valued Member
cat-like-stealth
Posts: 28
Registered: ‎08-27-2008

Re: Would anyone mind sharing with me?

I feel kinda lame. I've been using a debit card for a while now so all I have are these:
 
$0 / $1,400 - Sears Card
$0 / $2,500 - Sears Card Plus
$0 / $?        - Mervyn's Card (Opened in 1994; haven't used in years; don't even know what CL is.
$0 / $4,500 - Financing Fitness card (Opened in 2003 when we got an elliptical trainer; only thing it was used for)
Valued Member
divorcedcapone
Posts: 40
Registered: ‎05-20-2008

Re: Would anyone mind sharing with me?

I have 2 cards:

Chase Freedom 0/10,500
CitiMTVU Student 0/7000

I can't handle more! Well maybe a discover more...
Ficos 8/23/08: EX 805, EQ 774, TU 768
Ficos 1/6/09: Ex 813, Eq 779, TU 770
Valued Contributor
mjbfan79
Posts: 1,998
Registered: ‎03-31-2008

Re: Would anyone mind sharing with me?

[ Edited ]
CJ $2500/ $65
Best Buy $600/ $0
Hooters $500/ $0
BOFA $300/ $29
Orchard $400/ $7
Sam's Club $425/ $138
Wal-Mart $300/ $0
Shell Gas Card $500/ $0
1st Premier $250/ $0
Total Visa $250/ $0
 
 


Message Edited by mjbfan79 on 09-03-2008 11:33 AM

Message Edited by mjbfan79 on 09-03-2008 11:34 AM

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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Valued Member
GonnaBeDebtFree
Posts: 34
Registered: ‎07-23-2008

Re: Would anyone mind sharing with me?

Target ~ $0/$500
Victoria Secret ~ $0/$350
Orchard Bank Visa ~ $0/600 <~~ As soon as we close escrow on our house both of the Orchard's
Orchard Bank MC ~ $0/$600           are being closed!
BofA Dodge Rewards ~ $2800/$3,000 <~~ This one is getting paid off next month!
BofA Alaska Airlines ~ $200/$1,300
Macys ~ $0/$1,000
BofA LOC ~ $4,500/$20,000
Dell Financial ~ $0/$3,000
WaMu ~ $1,500/$2,000 <~~ $0 BT will be paid off the end of the year
Best Buy ~ $400/$750 <~~ will be paid off next month
 
Wow I didn't think I had a lot of accounts but I guess I do! =)  My goal is to get all of them reporting $0 balances by the end of next year!!
7/23/08: TU-667/EQ-638/EXP-654
5/01/10: EQ - 725

2010 Goals: All scores in the 700s; No new credit the whole year!; Make an extra mortgage payment!
Established Member
KeystoneKutie87
Posts: 45
Registered: ‎09-01-2008

Re: Would anyone mind sharing with me?

Thanks for sharing, everyone. I was so surprised to see that some of you have such high CL's. I mean, my highest is $4500, but considering that I've only been handling credit for two years now I guess thats not too bad. Can't wait to get my util ratios down to 30% percent, like most of you. (I know this is whats killing my score :smileysad: )
 
I was also surprised to see that some of you guys have so many revolving accounts. I thought my having six CC's were alot. Does anyone know if there's any certain number of CC's thats looks most favorable to lenders?

Starting Score: 584
Current Score: 623
Goal Score: 650


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Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007

Re: Would anyone mind sharing with me?

The classic, old-school FICO High Achievers, may they rot in a warmish place, only have 4 or 5:

FICO High Achievers

But this is changing, as FICO starts to incorporate how Americans use credit.

And lenders tend to be much more realistic. For those who have an insane number of cards, and are questioned by a potential lender, just say that you didn't realize back in the day, and you followed some bad advice, and now you're looking for quality cards.

Unless you've just gone completely berserk, what lenders look at are the balances on your cards, as in $0, and if you've had recent lates or other indications that you've gotten in over your head.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Frequent Contributor
Veee
Posts: 252
Registered: ‎08-23-2008

Re: Would anyone mind sharing with me?

I was feeling the same way ... WOW is all I can say :smileyhappy:  Like you I've used a debt card or my cash only policy ever since my divorce.  I absolutely REFUSE to get into debt trouble again in my life.  Now I'm reading everything and it's telling me to have all these credit cards, but for the most part don't use them.  OMG this world is wacky!

cat-like-stealth wrote:
I feel kinda lame. I've been using a debit card for a while now so all I have are these:
 

All I currently have is ...
Target Visa 5000/3500 bal - just got new furniture while I'm deceased, figured it was safe for now.
Chase BP 325/15 bal - just used it for the first time in 5 years so it show activity again.
 
Credit cards scared me at one point in my life so if I needed money I did it via installment loans of sorts so that I knew it would be over one day:smileyhappy:
Myfico scores as of 11/12/08 TU 750 EX 722

MyFico scores as of 9/20/08 TU 638 EX 663 EQ 691
Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007

Re: Would anyone mind sharing with me?

The only reason that I have so many cards is because I'm trying to avoid the ding for too many accounts with balances. Two of my CC's are shredder-bound, with a couple more circling the drain, so I'm hoping to get a more manageable collection in 6-12 months. (I'm stuck with them for now, kinda like an annoying brother-in-law or something.)
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

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