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Regular Contributor
Posts: 173
Registered: ‎06-28-2012

How young are you?

[ Edited ]

I have always wondered how many people there are on this forum around my age? i know some people mention it but i dont really pay attention so i would like to know who is, lets say 23 or younger, and what are your goals at this point in your life? I think the younger you are with good goals, the better you will be later on in life. I'll start it off.

 

Im 20 years old, started building my credit at age 18. I have 2 cap 1 cards, a Chase Freedom and an AMEX BCE, along with a 48 month auto loan for my used 2006 G35 at 1.98%.

Income : 41k

 

My goals include, buying a home for myself by the time im 21 and getting a Chase Saphire Preffered. Once i get the CSP im done getting cards.

 

So now lets hear what you guys have to say!   Smiley Happy

EQ FICO - 725 (9/11/13) TU FICO - 724 (6/27/13) EX FICO (6/30/13) 755 AMEX
Im my wallet - Cap1 Platinum MC(2000) Chase Freedom(1500) AMEX BCE (7000) Discover IT (8000) CSP (15000) Cal Coast CU (8000)
New Member
Posts: 3
Registered: ‎09-27-2012

Re: How young are you?

If you're 20 years old and you've had a credit history since 18 years old, I think you can get approved for Sapphire Preferred. I just got a confirmation for CSP approval emailed to me. I'm 19, have student loans, and my credit scores are almost similar to yours. 

 

GOAL: Buying a home before age 25 and maybe an Amex Black Card or JP Morgan Pallidium x.x before my life is over lol...*cough*

Chase Freedom $5k, Chase Sapphire Preferred
Amex Zync, Amex Gold
Macys $400, L&T $1500, Saks Fifth $1600
Regular Contributor
Posts: 173
Registered: ‎06-28-2012

Re: How young are you?


LSP10is wrote:

If you're 20 years old and you've had a credit history since 18 years old, I think you can get approved for Sapphire Preferred. I just got a confirmation for CSP approval emailed to me. I'm 19, have student loans, and my credit scores are almost similar to yours. 

 

GOAL: Buying a home before age 25 and maybe an Amex Black Card or JP Morgan Pallidium x.x before my life is over lol...*cough*


Well i dont have any cards with 5k limits and thats what they like to see so ill hold off on that so i dont waist an HP. Once i get my 61 day 3X CLI from amex ill be good to go for the CSP.

 

p.s. is it bad i only want it cause its made of metal? hahah

 

EQ FICO - 725 (9/11/13) TU FICO - 724 (6/27/13) EX FICO (6/30/13) 755 AMEX
Im my wallet - Cap1 Platinum MC(2000) Chase Freedom(1500) AMEX BCE (7000) Discover IT (8000) CSP (15000) Cal Coast CU (8000)
Frequent Contributor
Posts: 268
Registered: ‎08-20-2012

Re: How young are you?

I'm 23 and my goal is to buy a house with a decent amount of land (20+acres) within the next 5 years.
Amex B.C.E. - $2.5k - Amex Everyday - $5k - N.C.F.C.U.M.C. - $5k - Amex Gold - NPSL/35k P.O.T. - Discover It - $12k - Sam's Club M.C. - $10k -
Walmart M.C. - $7.5k - Citi T.Y.P. - $10k- Chase Freedom - $5k - Chase Marriott - $7.4k - U.S. Bank Cash + - $6k -
W.M. TU-781(Jan/15) Citi EQ-782(Dec/14) EX-782(Oct/14)
Audi, Vide, Tace. . .
Regular Contributor
Posts: 217
Registered: ‎09-25-2012

Re: How young are you?

Are you still going to school? And what line of work do you do to be making 41k as a 20 years old. I'm impressed since I'm almost 20 and no way close to your credit score or income lol. Well I hope as soon as I graduate to find a job and get my own house. That's the plan! Also to be near the mid-high 700s
TU 746 (10/13)
GOAL: 750+






Established Contributor
Posts: 635
Registered: ‎07-29-2010

Re: How young are you?

[ Edited ]

23 here. Currently finishing my last year of grad school.

Discover IT $30K | FNBO Visa $25K | Citi Forward (grandfathered 5x Restaurants!) $14.5K | US Bank Cash+ Visa Sig $15K | Priceline/Barclays $15K | Chase Freedom $10.5K | Amazon/Chase Visa Sig $8.3k | Southwest Premier $7.8K | BoA Cash Rewards 1-2-3 Sig $7.5K | Fidelity AMEX $7K | Citi Double Cash $6.5K | BoA Cash Rewards 1-2-3 Sig $7.5K | Sallie Mae World MC/Barclays $5K | Capital One Cash Rewards $5K | Commerce Bank $5K | WF Cash Back Visa $3.6K | Younkers/Comenity $2.4K | AMEX BCE $3K | Target $1K | EX FICO (from AMEX): 762, TU08 FICO (from Discover): 763, AAoA: 4.3 years
Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012

Re: How young are you?

21 here
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Established Contributor
Posts: 869
Registered: ‎07-04-2012

Re: How young are you?

I'm 20 as well. Short term goal is to get Amex x3CLI. Mid term goal would be to graduate and get a better income.

 

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Super Contributor
Posts: 5,882
Registered: ‎12-11-2011

Re: How young are you?

19 here. Started building a couple months ago when I was 18.

I just want a good score so in the future i can get good rates on auto loans and mortgages.
;
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Regular Contributor
Posts: 129
Registered: ‎01-09-2012

Re: How young are you?

21. Would like to buy a home soon. I am married with two kids of my own and one step daughter that lives with me. I'm still a student (pre-law) but if everything goes as planned I will graduate from law school in May 2017! Besides the student loans the drop my aaoa every fall I should have built my credit up pretty well by then.
In My Wallet: Amazon (5/2011) $2200 -- CareCredit (9/11) $4200 -- Capital One Green Cash Rewards (01/12) $3000 -- Citi Forward (1/12) $2500 -- Walmart Store Card (1/12) $1100 -- Maurices (8/12) $200

Starting Score: EX 567 9/13/2010
Current Score: EX(FAKO) 639 EQ(FAKO) 628 TU(FAKO) 662 11/13/2012
Goal Score: 750
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