Credit Card Center Advertiser Disclosure†
01-17-2013 07:54 AM
There are really no compelling cards I want in 2013, so I'm going to focus on the maximum FICO scores possible. I'm shooting for an 819 with EQ (Beacon 5.0), an 844 with EX (Fair Isaac V2), an 850 (TU08), and 843 (TU98).
01-17-2013 08:22 AM
My goals for 2013 are to:
1. Make it to my gold spade.
2. Get scores in the 700 Club.
3. Delta AMEX
4. Discover IT
In this order.
01-17-2013 09:00 AM - edited 01-17-2013 09:01 AM
My main goal is to get my scores up to 750+. That was my goal last year, but I didn't hit it. I'm also planning on getting the BCE, and to let the majority of my INQs drop (almost all are from 2011).
ETA: I'd also like to get all my main bank cards to 10K CL or above!
01-17-2013 09:02 AM
My goal is to have no reminders of ID theft/fraud, and to finally have the last three fraud accounts destroyed. Then will likely not possible, would love to have my FICO over 800. Being at 641 right now that may be difficult. I only have one one active account on my CRA's a BOA Sig CC 25000/ 100 balance. Never get one, they don't report your credit limit and wont, so can tend to hurt ones score.
Being a rather easy going guy, I have to admit, with two of the remaining accounts, I hope to learn enough on here to make the OC and two of the CRA folks feel some real stress, maybe time to victimize them a little. I wont, but what a great fantasy. But I sure as hell wont let them victimize me anymore. Four years of this is enough.
01-17-2013 09:35 AM
01-17-2013 01:15 PM
1. Pay down what balances I have.
2. Get credit limit increases on Citi, Chase and Discover.
3. Break the 700 mark for my scores.
4. Allow my cards to age. Most of them are 1-2 years old or less so I don't need any new credit really.
I'm pretty sure that I'll achieve #3 by doing #1 though.
01-17-2013 01:43 PM - edited 01-17-2013 01:45 PM
I somehow managed to score my first goal card for 2013 (Amex BCE) already, so now my goal is to garden until April. In April I plan to ask for a CLI on my Discover, and in July I plan to ask for CLIs on my Amazon Rewards and BCE.
I know I want Chase's Priority Club or Hyatt card at some point, but whogavemecredit has no info on profiles of those getting approved! So since I don't have enough info on it, I'm not yet setting it as a 2013 goal.