Contributor
tylaw13
Posts: 157
Registered: ‎06-28-2012
How young are you?
[ Edited ]

‎10-01-2012 10:20 PM - edited ‎10-01-2012 10:26 PM

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!   :smileyhappy:

EQ FICO - 699 (9/27/12) TU FICO - 709 (9/27/12) EX FICO (9/30/12) 725 AMEX
Im my wallet - Cap1 Cash Rewards(500) Cap1 Platinum MC(2000) Chase Freedom(1000) AMEX BCE (2000)
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LSP10is
New Member
LSP10is
Posts: 3
Registered: ‎09-27-2012
Re: How young are you?

‎10-01-2012 10:37 PM

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
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Contributor
tylaw13
Posts: 157
Registered: ‎06-28-2012
Re: How young are you?

‎10-01-2012 10:50 PM

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 - 699 (9/27/12) TU FICO - 709 (9/27/12) EX FICO (9/30/12) 725 AMEX
Im my wallet - Cap1 Cash Rewards(500) Cap1 Platinum MC(2000) Chase Freedom(1000) AMEX BCE (2000)
(1,018 Views)
 
Regular Contributor
7PM789
Posts: 176
Registered: ‎08-20-2012
Re: How young are you?

‎10-01-2012 11:10 PM

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 - C.U.M.C. - $5k - Amex Gold - NPSL - Discover More - $3k - Sam's Club Discover - $7k - Walmart Discover - $2.4k -
W.M.TU-779(May/13) EQ-726(July/12) EX-753(Jan/13)
Aude, Vide, Tace. . .
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Regular Contributor
Tran92
Posts: 213
Registered: ‎09-25-2012
Re: How young are you?

‎10-01-2012 11:33 PM

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 703 (1/13)
GOAL: 700+

As of Nov 2012







(983 Views)
 
Established Contributor
andre181
Posts: 581
Registered: ‎07-29-2010
Re: How young are you?
[ Edited ]

‎10-01-2012 11:39 PM - edited ‎10-01-2012 11:39 PM

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

FNBO Visa $19K | Discover IT $15.3K | Citi Forward $10.5K | US Bank Cash+ Visa Sig $10K | Amazon/Chase Visa Sig $8.3k | Barclays/Priceline $6K | BoA Cash Rewards 1-2-3 Sig $5.5K | Capital One Cash Rewards $5K | WF Cash Back Visa $3.6K | Citi ThankYou Preferred $3.5K | Amazon/GEMB $2.5K | AMEX BCE $2K | Younkers/WFNNB $2K | Commerce Bank $2K | Target $1K | AMEX Green
EX FICO (from AMEX): 754, TU04 FICO: 749, AAoA: 3.2 years
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Valued Contributor
jsickz32
Posts: 1,815
Registered: ‎06-25-2012
Re: How young are you?

‎10-02-2012 01:05 AM

21 here
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / BofA Total rewards (2500) / BofA Amex (3900) / Bofa cash rewards (5700) / BofA Privileges Cash Rewards (5000) / Citi Forward (3000) / Chase Freedom (3500) / Discover IT (1700) / FNBO AMEX (3600) / Barclays Apple Visa (3960) / NFCU cashRewards Visa signature (12500) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / 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 (601) / PayPal Smart connect (2200)
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Established Contributor
CruzImperial
Posts: 860
Registered: ‎07-04-2012
Re: How young are you?

‎10-02-2012 02:44 AM

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 724 . App free since Aug 2012 .

Cap One Journey 500 | Discover IT 1k | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCP 6k | Citi Forward 3k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 6k | Discover Walmart 4.9k | Barclays Apple 2.5k | BoA CR 800
(890 Views)
 
Valued Contributor
jsucool76
Posts: 2,649
Registered: ‎12-11-2011
Re: How young are you?

‎10-02-2012 03:23 AM

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.
Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart: 1300CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
(877 Views)
 
Regular Contributor
roxy382
Posts: 129
Registered: ‎01-09-2012
Re: How young are you?

‎10-02-2012 03:36 AM

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
(856 Views)