topic Re: 2014 CREDIT GOALS ?? in General Credit Topics

2014 CREDIT GOALS ??

youngman1234 — Thu, 22 May 2014 00:03:45 GMT

Just wondering what goals others have for 2014....

I try to do an app spree once a year, in one day go for CLI and apply for my new cards..

My goals:

1. Western fed cu loc & card

2. Andrews Credit union card

3. Nasa credit union LOC

4. Citi LOC

5. paypal CLI

6. discover cli

7. alliant cli

8. boa cli

Re: 2014 CREDIT GOALS ??

mongstradamus — Thu, 22 May 2014 00:17:58 GMT

@youngman1234 wrote:
Just wondering what goals others have for 2014....

I try to do an app spree once a year, in one day go for CLI and apply for my new cards..

My goals:

1. Western fed cu loc & card
2. Andrews Credit union card
3. Nasa credit union LOC
4. Citi LOC

5. paypal CLI
6. discover cli
7. alliant cli
8. boa cli

1. Discover sp cli

2. Amex 3x CLI

3. Sallie Mae app

4. Walmart CLI

5. Reassess what I need to do after those 4 things are accomplished

Re: 2014 CREDIT GOALS ??

CreditHealthy — Thu, 22 May 2014 04:53:09 GMT

My goal is to purchase a home this year!...Good luck with your goals!

Re: 2014 CREDIT GOALS ??

14Fiesta — Thu, 22 May 2014 05:02:33 GMT

1. Establish enough history to generate a FICO score.

2. Get my 1 account established a bit more, then app for AMEX BCE to try lock in 2014 MSD

3. Chase Freedom also looks interesting. Possibly app at same time as AMEX

4. GARDEN MY NEW TLs (hopefully! )

Re: 2014 CREDIT GOALS ??

Anonymous — Thu, 22 May 2014 19:34:42 GMT

@youngman1234 wrote:
Just wondering what goals others have for 2014....

I try to do an app spree once a year, in one day go for CLI and apply for my new cards..

My goals:

1. Western fed cu loc & card
2. Andrews Credit union card
3. Nasa credit union LOC
4. Citi LOC

5. paypal CLI
6. discover cli
7. alliant cli
8. boa cli

My goal for 2014 and 2015 is to decrease the cc debt for my wife and I and let our accounts age. We have about 25k in cc debt and took a aaoa beating when we applied for bt cards.

Re: 2014 CREDIT GOALS ??

bdhu2001 — Fri, 23 May 2014 03:11:01 GMT

@youngman1234 wrote:
Just wondering what goals others have for 2014....

I try to do an app spree once a year, in one day go for CLI and apply for my new cards..

My goals:

1. Western fed cu loc & card
2. Andrews Credit union card
3. Nasa credit union LOC
4. Citi LOC

5. paypal CLI
6. discover cli
7. alliant cli
8. boa cli

There's actually a forum with this and it has monthly check ins. The title may throw you, because it's "Take the FICO Fitness Challenge" I just joined last month and I'm ahead in my goals. My goals were: 1) Increase my FICO score to 760-850; 2) buy a house near my kids(keeping current home as rental; 3)get pre-approved for a home loan by 11/2014.

I had to change one goal from being pre-approved for a home loan to finding a home and closing. I'm now pre-approved for home loan and my EX FICO Bankcard score is now 808. I have to wait till mid June to find out scores for other two, but I know in a few more months I'll at least have them moving in right direction and I feel I'm on the right track.

Re: 2014 CREDIT GOALS ??

fargobzn — Fri, 23 May 2014 13:34:48 GMT

1. Chase Freedom CLI(really low limit right now)

2. Discover IT CLI

3. FICO score over 740

4. Cut student loan debt in half

Not sure I'll be doing anymore apps this year, I need to take a chunk out of my student loan debt. I am consolidating my loans through my state bank though, taking the interest rate from around 6% for most of my loans down to 1.75%. It is a great deal for North Dakota residents.

Re: 2014 CREDIT GOALS ??

14Fiesta — Sat, 24 May 2014 02:41:35 GMT

@fargobzn wrote:
1. Chase Freedom CLI(really low limit right now)
2. Discover IT CLI
3. FICO score over 740
4. Cut student loan debt in half

Not sure I'll be doing anymore apps this year, I need to take a chunk out of my student loan debt. I am consolidating my loans through my state bank though, taking the interest rate from around 6% for most of my loans down to 1.75%. It is a great deal for North Dakota residents.

They have to bribe people like you and me to live here somehow! With this last winter they need to up their justification.

Re: 2014 CREDIT GOALS ??

Amarie003 — Sat, 24 May 2014 04:14:19 GMT

My goals are:

1) Let my AAoA grow.
2) Fix my husbands credit.
3) Get approved for a home loan.

Best of Luck on everyone's goals! :-)

Re: 2014 CREDIT GOALS ??

Revelate — Sun, 25 May 2014 07:07:44 GMT

FICO Fitness Challenge yo!

You know, I wonder if we should just move that into Gen Cred, we're only talking at most 13 threads a year and it'd be better to be in a more commonly used board.

Re: 2014 CREDIT GOALS ??

fargobzn — Sun, 25 May 2014 16:03:31 GMT

@14Fiesta wrote:
@fargobzn wrote:
1. Chase Freedom CLI(really low limit right now)
2. Discover IT CLI
3. FICO score over 740
4. Cut student loan debt in half

Not sure I'll be doing anymore apps this year, I need to take a chunk out of my student loan debt. I am consolidating my loans through my state bank though, taking the interest rate from around 6% for most of my loans down to 1.75%. It is a great deal for North Dakota residents.
They have to bribe people like you and me to live here somehow! With this last winter they need to up their justification.

Yeah it was a long winter, they do owe us a little for putting up with it.

If it wasn't for summer and fall there is no way I could live up here.

Re: 2014 CREDIT GOALS ??

Anonymous — Thu, 29 May 2014 13:38:11 GMT

My gold are to get to below 4% utilization and 750+.

Trying to buy a bread route... and I'm going to need the best credit i can get lol... the routes are expensive!

Re: 2014 CREDIT GOALS ??

Anonymous — Sat, 31 May 2014 16:24:11 GMT

1. BofA Secured Credit Card: Unsecured and CLI

2. SCFCU Visa: CLI

3. Add one more CC to my reports (especially since the SCFCU Visa doesn't report to TU)

4 Get a long term secured loan from SCFCU for a low amount just to add another tradeline

5. Shoot for 800!