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Frequent Contributor
Posts: 353
Registered: ‎05-01-2007
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Re: If you could start over what would you do different?

I would never let my 19-year-old self apply for and use a credit card - eeeeveeer!!

2011: EQ 580~
2012: EQ 620~
2013: EQ 641, TU98 645, TU04 635, TU08 635, EX 648 (lender)
Closed on first home 4/25/13.
Frequent Contributor
Posts: 297
Registered: ‎02-12-2012
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Re: If you could start over what would you do different?

Not ignore my student loan deferements

Starting Score: 656
Current Score: 678 TU 08, 665 EQ MyFico, 698 EX PSECU
Goal Score: 7OO needed for Mortgage application


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Established Contributor
Posts: 638
Registered: ‎07-28-2011
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Re: If you could start over what would you do different?

1. Not let Sears Card become a CO (now blacklisted from citi)

2. Not let Wamu Card become a CO (now blacklisted from chase)

3. Kept the 2 aforementioned cards open AAoA would be closer to 10 years not instead of 4 :smileysad:

4. No Co-signed a cell phone with my cousin

5. Paid my Jetta on time (actually had the cash for the payment in the car when it was repossessed :catsad:)

6. Not paid for my bachelor's degree in cash.

7. Not apply for Capital One last year!

8. Opted to have health insurance at my previous employers



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Posts: 977
Registered: ‎02-08-2012
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Re: If you could start over what would you do different?


teenastie wrote:

6. Not paid for my bachelor's degree in cash.



Why would you change this?  I would love to graduate college without the ~$50,000 in debt I'm going to have.

Gardening with: PSECU Combo $1k, Chase Freedom $3.5k, Discover It $1.7k, Amex Costco True Earnings $2k, Capital One Platinum $500, Best Buy Store Card $2.7k

Starting Score: FICO: 587 EX, 594 EQ, 632 TU, 2/15/12; USAA FAKO: 525 EX, 541 EQ, 525 TU, 2/15/12
Current Score: FICO: 678 EX, 629 EQ, 658 TU, 3/27/12; USAA FAKO: 721 EX, 721 EQ, 576 TU, 3/9/12
Goal Score: 700 Across the Board and Amex Zync or Costco By The End Of 2012


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Posts: 977
Registered: ‎02-08-2012
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Re: If you could start over what would you do different?


bridgetkaryn wrote:

Also, for the 24 year old me... not answering your phone or opening your bills doesn't mean they don't exist or will go away... they won't in fcat they usually get worse...  


I couldn't agree more and this is exactly what I wish I could change.  I always just ignored bills I didn't feel like paying.  It was almost like I assumed if I didn't acknowledge them, they didn't exist any more.  What a dumb kid / young adult I was!

Gardening with: PSECU Combo $1k, Chase Freedom $3.5k, Discover It $1.7k, Amex Costco True Earnings $2k, Capital One Platinum $500, Best Buy Store Card $2.7k

Starting Score: FICO: 587 EX, 594 EQ, 632 TU, 2/15/12; USAA FAKO: 525 EX, 541 EQ, 525 TU, 2/15/12
Current Score: FICO: 678 EX, 629 EQ, 658 TU, 3/27/12; USAA FAKO: 721 EX, 721 EQ, 576 TU, 3/9/12
Goal Score: 700 Across the Board and Amex Zync or Costco By The End Of 2012


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Posts: 638
Registered: ‎07-28-2011
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Re: If you could start over what would you do different?


jimbo831 wrote:

teenastie wrote:

6. Not paid for my bachelor's degree in cash.



Why would you change this?  I would love to graduate college without the ~$50,000 in debt I'm going to have.


I would have preferred to run it through a rewards card then pay off immediately. It goes towards my AAoA which it's pretty puny considering what it could have been :smileyvery-happy:!



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Posts: 977
Registered: ‎02-08-2012
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Re: If you could start over what would you do different?


teenastie wrote:

jimbo831 wrote:

teenastie wrote:

6. Not paid for my bachelor's degree in cash.



Why would you change this?  I would love to graduate college without the ~$50,000 in debt I'm going to have.


I would have preferred to run it through a rewards card then pay off immediately. It goes towards my AAoA which it's pretty puny considering what it could have been :smileyvery-happy:!


Oh, ha.  Well that surely would have been better!

Gardening with: PSECU Combo $1k, Chase Freedom $3.5k, Discover It $1.7k, Amex Costco True Earnings $2k, Capital One Platinum $500, Best Buy Store Card $2.7k

Starting Score: FICO: 587 EX, 594 EQ, 632 TU, 2/15/12; USAA FAKO: 525 EX, 541 EQ, 525 TU, 2/15/12
Current Score: FICO: 678 EX, 629 EQ, 658 TU, 3/27/12; USAA FAKO: 721 EX, 721 EQ, 576 TU, 3/9/12
Goal Score: 700 Across the Board and Amex Zync or Costco By The End Of 2012


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Valued Member
Posts: 128
Registered: ‎03-14-2012
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Re: If you could start over what would you do different?

I wouldn't have treated credit cards like extra piles of cash, I wouldn't have deferred my student loans so I could have more fun travelling, and I would have enrolled in my CCCS sooner.  If only I had found this site in my ignorant youth, I might have been able to manage my finances better.


Starting Score: Same as current
Current Score: Transunion 786, Equifax 793 (March 15, 2012)
Goal Score: 800


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Valued Contributor
Posts: 1,206
Registered: ‎02-19-2012
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Re: If you could start over what would you do different?

I would have applyed for CC when I had a substantial amount of money when I was 24.  I would never had bought a house cash deal and I would have always paid with a rewards card for the bonuses.  All that said Im so close to the semi-promised land I can taste it not just freedom but piece of mind.!!!!!!!!!!!


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

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Valued Member
Posts: 29
Registered: ‎03-29-2007
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Re: If you could start over what would you do different?

If I could start over I would not be ignorant and wreckless about credit & not care like I was doing when I was young. I have had a rough recovery & still to this day I am still struggling to get back my credit health. Thanks to everyone on this forum I am headed in the right direction but I will be alot happier once I reach the 700 + fico score.....:smileyhappy:


Starting Score: eq503,tu517
Current Score: eq529,tu566
Goal Score: eq-650,tu650


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