Re: Garden Club Meeting - December 2012
12-01-2012 06:52 AM
Well, how fitting that I end the year in the garden – right where I started when I began this journey in January of this year. I did leave several times during this year (mostly planned, but some impulsive apps in there, too), but I will hit 90 days app-free the middle of this month and will pick up my first silver spade to celebrate.
This has been a great year for me, and I’ve learned so much from this forum. I started with every CC nearly maxed out and an overall utilization of around 70-75%. After aggressively paying down revolving debt, getting SP CLIs, and obtaining several new higher limit cards, my overall utilization is less than 10% and my scores have improved to what is noted in my signature line.
The primary goal for this month is to not go crazy with Christmas spending and keep myself on track to continue paying down revolving debt. No urges to app for anything at this point, and that’s a good thing.
You've done a fantastic job and have every reason to be pleased with yourself! Congratulations to you! I understand the discipline and effort that it takes to pay off debt and bring util down to an ideal level. I'm so happy that you've been able to reach your goals this year -- this is truly something to celebrate! May the coming year bring you much success as you continue on your credit journey.
Thanks, tinu - this forum/the gardening thread has been great for me...
And I just read through the thread and saw your own score increases - congrats on the nice jump!
Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:Dec 2013: EQ - 762, TU08 - 746, EX - 730