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Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012

Re: Plan of attack for financing

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‎01-14-2013 08:50 AM

You have enough revolving credit to keep gardening with to hopefully hit your target when you need it but as others said, your main goal should be getting you utility down. Good luck and keep us posted.
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! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
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jordanmedical
Posts: 998
Registered: ‎04-08-2012

Re: Plan of attack for financing

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‎01-14-2013 02:29 PM

Will do, I'll start with the ones accruing interest first as I have quite a few under 0% promotions (Barclay, Cap one Cash, Sam's , Amazon)

-Rebuilding with Cap1 Secured: 300, CapOne Cash: $1k, NFCU Secured: 500, NFCU cashRewards $8.5K, NavCheck $2.5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.5K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700
Take the FICO Fitness Challenge

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jordanmedical
Posts: 998
Registered: ‎04-08-2012

Re: Plan of attack for financing

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‎01-24-2013 06:17 PM

Update: collection removed added nearly 30 points to my EQ score. 

-Rebuilding with Cap1 Secured: 300, CapOne Cash: $1k, NFCU Secured: 500, NFCU cashRewards $8.5K, NavCheck $2.5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.5K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700
Take the FICO Fitness Challenge

Message 23 of 49 (626 Views)
 
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JM-AM
Posts: 3,303
Registered: ‎06-09-2010

Re: Plan of attack for financing

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‎01-24-2013 07:16 PM

Excellent work!!!

Good Luck
May all your dreams and wishes become a reality!
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Established Contributor
jordanmedical
Posts: 998
Registered: ‎04-08-2012

Re: Plan of attack for financing

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‎01-24-2013 08:05 PM

Ty, 67 more points to go.

-Rebuilding with Cap1 Secured: 300, CapOne Cash: $1k, NFCU Secured: 500, NFCU cashRewards $8.5K, NavCheck $2.5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.5K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700
Take the FICO Fitness Challenge

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pdog661
Posts: 217
Registered: ‎03-31-2012

Re: Plan of attack for financing

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‎01-24-2013 08:30 PM

I had 90% UTL and paid it to 9% a few years ago.

 

No baddies, AAoA of 6 years.

 

It added 80 points to my scores.

 

Good luck.  Pay down those cards as fast as you can. 



Starting Score: 636
Current Score: 782
Goal Score: 800

Take the FICO Fitness Challenge

Accidentally HP on 1/15/2013 :-(
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Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012

Re: Plan of attack for financing

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‎01-24-2013 09:40 PM

That's great OP! Keep up the good work! :-)
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! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Message 27 of 49 (584 Views)
 
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jordanmedical
Posts: 998
Registered: ‎04-08-2012

Re: Plan of attack for financing

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‎02-06-2013 07:42 PM

Got a CLI today from amazon, lowered my util 5%, not much but something. Plan on large payments this month and more CLI requests (for SP only-- have 3 ge cards).

-Rebuilding with Cap1 Secured: 300, CapOne Cash: $1k, NFCU Secured: 500, NFCU cashRewards $8.5K, NavCheck $2.5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.5K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700
Take the FICO Fitness Challenge

Message 28 of 49 (522 Views)
 
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Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012

Re: Plan of attack for financing

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‎02-07-2013 08:48 AM

Congrats! That CLI will lower your overall utilization and may boost your score a bit more.
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! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Message 29 of 49 (483 Views)
 
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Established Contributor
jordanmedical
Posts: 998
Registered: ‎04-08-2012

Re: Plan of attack for financing

[ Edited ]
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‎03-03-2013 11:54 AM - edited ‎03-03-2013 11:55 AM

util down to 67% (one of my cc is not reporting here, if so util would be 64%)

 

score up to 592 (up almost 20 pts)

 

Still need 48 points :smileysad: (Will probably have to do RR on 3 cards)

-Rebuilding with Cap1 Secured: 300, CapOne Cash: $1k, NFCU Secured: 500, NFCU cashRewards $8.5K, NavCheck $2.5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.5K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700
Take the FICO Fitness Challenge

Message 30 of 49 (378 Views)
 
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