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Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,310
Registered: ‎10-02-2012

What do you plan to improve in 2014?

Credit wise my family and I are not gonna use CCs until ALL are paid down, their EQ monitoring payment is being deducted form their Sears MC but now I will be paying it with my Citi MC Debit card, That way NOT 1 CREDIT CARD IS BEING USED so far we have closed 5 store cards and hopefully 1 more before 2014. Other than that I plan to also improve in my way of being since there is always something to work on. What about you?

Closing all of these credit card accounts once paid off for a fresh start.
$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Valued Contributor
Gunnar419
Posts: 1,131
Registered: ‎01-23-2013

Re: What do you plan to improve in 2014?

[ Edited ]

BearsAndTurtlesRtheBest wrote:

Credit wise my family and I are not gonna use CCs until ALL are paid down, their EQ monitoring payment is being deducted form their Sears MC but now I will be paying it with my Citi MC Debit card, That way NOT 1 CREDIT CARD IS BEING USED so far we have closed 5 store cards and hopefully 1 more before 2014. Other than that I plan to also improve in my way of being since there is always something to work on. What about you?


Good for you and your folks, Bears! You're one smart young person. Given your folks' struggles and your own ambitions, this seems like a good way to begin a new year.

 

My plan's similar to yours. I'm going to take a credit break for a while, myself. I have all the credit I need and just met my spending limit to qualify for the bonus on my new Chase Freedom. Now except for small spends needed to keep the cards alive (and those will be PIF'd) I'm going to use cash or debit cards for everything for a while until only all the cards are paid to near zero. Then I'll start again with a plan.

 

Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,310
Registered: ‎10-02-2012

Re: What do you plan to improve in 2014?

sounds good, and thanks!

Closing all of these credit card accounts once paid off for a fresh start.
$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Community Leader
Senior Contributor
myjourney
Posts: 25,298
Registered: ‎02-07-2013

Re: What do you plan to improve in 2014?

Great plan WTG

"Intelligence plus character--that is the goal of true education"
Cap1 EO link below
http://lmgtfy.com/?q=Capital+One+CEO+email+address+#seen
Last 5 apps 6/6/13
Established Contributor
ptilda
Posts: 530
Registered: ‎11-30-2013

Re: What do you plan to improve in 2014?

My overall score! :smileyhappy:

My Wallet:Fidelity Amex $1K, DCU $3.9K, US Bank AeroMexico $300, Quicksilver $1.3K, Cap1 secured MC $750, DiscoverIT $200, Care Credit $5K, Sportsman Guide Visa $3K, Kay $3K, Jared $3K,American Airlines CC $3K, Amazon $1.4k, Walmart $1k, Macy's $800 revolving/$5k furniture, Comenity retail cards $5.55kStarting Score: 618Current Score: 711
Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,310
Registered: ‎10-02-2012

Re: What do you plan to improve in 2014?

@myjourney thanks, and ptilda it will improve.

Closing all of these credit card accounts once paid off for a fresh start.
$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Established Member
Satellite5
Posts: 14
Registered: ‎10-23-2012

Re: What do you plan to improve in 2014?

I'm going to improve my cholesterol levels. I'm very confident (been exercising more). :smileyvery-happy:

 

Credit-wise, I would like to let my existing accounts age and reach that elusive 750 score...

Starting Score: 735 (EQ) / 777 (TU)Oct. 2012
Current Score: 738 (EQ) / 771 (TU)Dec. 2013
Goal Score: 750
(EQ) / 800 (TU)
App free since 19.11.2013. \o/
Frequent Contributor
Roarmeister
Posts: 314
Registered: ‎04-21-2012

Re: What do you plan to improve in 2014?

I want to get my score above 768. Does that seem like a silly number?  Not really, that's the 50% percentile border for Canadian Equifax scores.  I want to be in the top half again.  :smileyhappy:

AMEX_PlatinumBMOWorldMCCapOnePlatinumMBNA_Platinum+ScotiaMomentum
___$18.5k______$20k_______$20k_______$25k______$25k____
Starting Score: 676 Feb 2008; Current Score: 782 EQ, 814 TU, August 2014; Goal Score: 800 by end of year
Oldest Account reported by EQ: 12.0 years; EQ AAoA: 5.4 years; EQ Credit Utilization: 3.3%

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