Re: 2010 Credit Card Goals

Want2BDebtFreeNow · ‎10-15-2007

Jlu wrote:
Just continue the never ending process of chasing your tail while corporations feed off of the sweat and tears of your labor.

Makes you feel good huh?

I don't blame anybody for my poor decisions. None of the credit card companies put a gun to my head and said you need to spend money that you don't have or live way beyond your means so I take full responsibility for my actions

As of 11/14/2012 EQ: 672

5 inqs in the last year - October 25, 2012, July 05, 2012, July 03, 2012, June 18, 2012, February 16, 2012

(Report reads them as 3) Your applications for credit in the past year
3 inquiries

Last account opened June 2012

Average age of your accounts
6 years

Number of your accounts with a missed payment
0 accounts

Ratio of your revolving balances to your credit limits
82% (Ouch)

TNTransplant · ‎01-03-2012

Jlu wrote:
Just continue the never ending process of chasing your tail while corporations feed off of the sweat and tears of your labor.

Makes you feel good huh?

Was this really necessary?

At least he is being responsible and has a plan to pay it off - many in his situation would undoubtedly file BR.

OP, good luck with your plan.

Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:June 2013: EQ - 752, TU08 - 753, EX - 730
Goal Score: 760 on each by 12/31/13, Last app - 4/1/13

Take the 2013 FICO Fitness Challenge

Middleswarth · ‎08-31-2011

TNTransplant wrote:
Jlu wrote:
Just continue the never ending process of chasing your tail while corporations feed off of the sweat and tears of your labor.

Makes you feel good huh?
Was this really necessary?

At least he is being responsible and has a plan to pay it off - many in his situation would undoubtedly file BR.

OP, good luck with your plan.

+10000000

Don't blame someone else for your own (fill in with your favorite adjective).

Starting Score: EQ 603 (12/18/2011), TU 621 (10/01/11)
Current Score (7/14/12): EQ 630, TU 691, EX 670 (bank pull)
Goal: 730+ by August 2014
Wallet: NFCU Visa (10k), USAA Secured MC (5k), American Airlines CC (2k), US Airways MC (1.5k), Discover More (1k), Macy's (600), Cap One (500), and Kohl's (400).
Garden planted. Working on the weeds.

Jlu · ‎06-12-2012

Hey that comment of mine was not directed at anyone. It was just a general observation. I wish OP best of luck! <3

Want2BDebtFreeNow · ‎10-15-2007

I didn't take it that way.

As of 11/14/2012 EQ: 672

5 inqs in the last year - October 25, 2012, July 05, 2012, July 03, 2012, June 18, 2012, February 16, 2012

(Report reads them as 3) Your applications for credit in the past year
3 inquiries

Last account opened June 2012

Average age of your accounts
6 years

Number of your accounts with a missed payment
0 accounts

Ratio of your revolving balances to your credit limits
82% (Ouch)

webhopper · ‎09-16-2011

Good luck to you!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!

Take the myFICO Fitness Challenge

Want2BDebtFreeNow · ‎10-15-2007

Well here we are near the end of 2012. All of the payments that are due in December have already been made. I've had some setbacks but keep on trucking.... My roommate lost his job and decided to move out, I decided I didnt want a new roommate so I am going to just keep paying the rent by myself until the end of the lease (Aug 2013)

Before

Card # 1 - $7,020.69 (7.9%)

Card # 2 - $4,828.40 (14.9%)

Card # 3 - $4,471.72 (13.24%)

Card # 4 - $4,336.85 (10.24%)

Card # 5 - $3,013.29 (13.9%)

Card # 6 - $2,965.69 (10.24%)

Card # 7 - $1,752.14 (13.24%)

Card # 8 - $ 808.50 (19.99%)

Card # 9 - $ 206.38 (0.0%)

Loc # 1 - $2,506.81(15.99%)

TTL -$31,910.47

After

Card # 1 - $7,085.20 - 7.9%

Card # 2 - $4,871.92 - 16.99% This is the card that I used to take the cash advance to pay off the negative equity on the car (which I sold to carmax)

Card # 3 - $4,287.00 - $2,283.61 @ 22.99% & $2,003.39 @ 13.24%

Card # 4 - $4,172.40 - 10.24%

Card # 5 - $2,873.19 - 10.24%

Card # 6 - $2,867.22 - 13.9%

Card # 7 - $1,182.83 - @ 13.24%

Card # 8 - $804.00 - 0% until Dec 2013 with equal payments

TTL - -$28,143.76

Progress since last post of $3,766.71.

Wish it could be more but a little bit at a time!

As of 11/14/2012 EQ: 672

5 inqs in the last year - October 25, 2012, July 05, 2012, July 03, 2012, June 18, 2012, February 16, 2012

(Report reads them as 3) Your applications for credit in the past year
3 inquiries

Last account opened June 2012

Average age of your accounts
6 years

Number of your accounts with a missed payment
0 accounts

Ratio of your revolving balances to your credit limits
82% (Ouch)

HiLine · ‎10-19-2012

Wow it's been a long journey! Good luck on your adventure. I'm sure you'll get there. Just remember to always make payments on time, then apply the rest of the available money towards the card with the highest interest rate.

---> HiLine's personal finance blog - Follow my journey!

TNTransplant · ‎01-03-2012

You're doing great. I appreciate that fact that you're making the effort to pay this all off, rather than taking another route. Keep up the good work.

Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:June 2013: EQ - 752, TU08 - 753, EX - 730
Goal Score: 760 on each by 12/31/13, Last app - 4/1/13

Take the 2013 FICO Fitness Challenge

Want2BDebtFreeNow · ‎10-15-2007

TNTransplant wrote:
You're doing great. I appreciate that fact that you're making the effort to pay this all off, rather than taking another route. Keep up the good work.

Thanks. I am trying! I am really hopping that by the end of 2013 it will all be gone. It's amazing how hard it can be to get out of debt.

As of 11/14/2012 EQ: 672

5 inqs in the last year - October 25, 2012, July 05, 2012, July 03, 2012, June 18, 2012, February 16, 2012

(Report reads them as 3) Your applications for credit in the past year
3 inquiries

Last account opened June 2012

Average age of your accounts
6 years

Number of your accounts with a missed payment
0 accounts

Ratio of your revolving balances to your credit limits
82% (Ouch)