woo $100k club!

[Ghoshida]

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@Anonymous wrote:
umm i am ditching green (it's quite useless) and no new cards for me. i will combine cap1 once they hit 6 months for sure. Amex doesn't like me much for CLIs lol.

starting scores in 2015 were in the 580s. currently 690s

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Seems like a solid plan. 

And good jump with the score too!

[Anonymous]

Congrats! I'm one (maybe two) CLI from joining you.

I actually want to write up my journey (started less than 3 years ago with a $500 Cap1) because I think there are some good data points there.

[darwin_wins]

And you have no baddies on your report, is that right?

[Anonymous]

^ that is completely incorrect lol. i will show you from my other thread i made

[darwin_wins]

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@Anonymous wrote:
^ that is completely incorrect lol. i will show you from my other thread i made

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lol I just thought you got a nice 100K limit in total so you shouldn't have a problem on your report. Now I am curious how many baddies you got 

[Anonymous]

ok wow. just did some account evaluation and i am surprised my score is even this good considering my lates!! get this:

elan credit card (open) - one 30 day late 09/2014 and a 60 day late may 2013
chase (open) - one 30 day late 06/2012
NFCU auto (closed (ex wife's)) - one 30 day late 08/2014
cap1 (closed) - two 30 day lates on 08/2013 and 11/2013 and a 60 day late 09/2013
here's the biggie!
us dept education (closed and xferred to great lakes) - TEN 90 day lates as recent as 08/2014!!!!!!

it's current under great lakes, though. omg.

[Anonymous]

a lot of baddies lol

[darwin_wins]

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@Anonymous wrote:
a lot of baddies lol

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I assume none of them are updated monthly (obviously 30, 60 days won't be). May be that's why?

[Anonymous]

none of them are late as of now

[MyLoFICO]

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@Anonymous wrote:

basically i started with $500 CU credit card, $100 CU LOC, $3,200 kay card, $1,500 freedom, $1,000 NFCU goRewards, and $3,000 wells fargo card. i apped for the amex ED card in march of 2015 (fell for CK's recommendations lol) and got it with a $2k limit.
then, did research and stuff and found this site. i registered in april and began reading and going a little crazy (getting some unneeded stuff but overall i do have everything i need as well)

i started with under $10k in march to now over $100k less than a year later. here's my list of current stuff:

CCU LOC $100
CCU $500
AmEx Hilton HHonors $1,000
Discover It $1,700
Chase Freedom $2,000
AmEx ED $2,000
WF Platinum $3,000
Cap1 QS $3,000
Cap1 QS $3,000
Barclaycard Sallie Mae $3,200
Amazon Prime $5,000
Chase Marriott $5,000
Cap1 Venture $5,000
Kay Jewelers $5,300
NFCU Flagship $8,000
Lowes $12,000
NFCU cashRewards $12,500
Cap1 Venture $13,000
AmEx Green NPSL

NFCU LOC $15,000

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That's only $99,000.  lol J/k. Very nice!