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Senior Contributor
BearsAndTurtlesRtheBest
Posts: 3,700
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?

Valued Contributor
Gunnar419
Posts: 1,272
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.

 

Senior Contributor
BearsAndTurtlesRtheBest
Posts: 3,700
Registered: ‎10-02-2012

Re: What do you plan to improve in 2014?

sounds good, and thanks!

Community Leader
Senior Contributor
myjourney
Posts: 26,659
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"
Last 5 apps 6/13


Established Contributor
ptilda
Posts: 533
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 $2.9k, Walmart $2.2k, Macy's $800 revolving/$5k furniture, Comenity retail cards $5.55kStarting Score: 618Current Score: 711
Senior Contributor
BearsAndTurtlesRtheBest
Posts: 3,700
Registered: ‎10-02-2012

Re: What do you plan to improve in 2014?

@myjourney thanks, and ptilda it will improve.

Established Member
Satellite5
Posts: 15
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: 761 (EQ) / 752 (TU)Aug. 2014
Goal Score: 800
App free since 19.11.2013. \o/
Frequent Contributor
Roarmeister
Posts: 334
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
____$25k_______$20k_______$20k_______$25k_______$25k____
Starting Score: 676 Feb 2008; Current Score: 791 EQ; 824 CA, Dec. 2014; TU 814, Oct. 2014; Goal Score: 800 by end of year Oldest Account reported by EQ: 12 years; EQ AAoA: 5.8 years; EQ Credit Utilization: 2.3%

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