Haha, good to see ya Odd
Awesome sauce UncleB
. Now dont get me wrong im not against cli ieventually when i have my core id like to have them at their best so if sp cli is available ill shoot for it but even though ive given up on be a a chase bot lol, going 0/24 would be awesome to achieve. I think if more people went that route at least once, their Chase dreams would be much more achievable.
Awesome sauce UncleB
. Now dont get me wrong im not against cli ieventually when i have my core id like to have them at their best so if sp cli is available ill shoot for it but even though ive given up on be a a chase bot lol, going 0/24 would be awesome to achieve. I think if more people went that route at least once, their Chase dreams would be much more achievable.
I will be 4 yrs out from bk7 in 2018. I will also graduate to a silver spade at the stroke of midnight! My goals for the upcoming year include getting scores across the board +/= 725, inquiry free by 8/2018, and apply for navy and at least two others with decent CLs before coming back to the garden where I plan to stay until my car dies and I am forced to purchase.
PS: got an awesome christmas gift from TU. Wrote to dispute late on closed reaffirmation acct...They didnt correct it, they DELETED it (wouldnt have been for another 3 yrs). 😁
PS: got an awesome christmas gift from TU. Wrote to dispute late on closed reaffirmation acct...They didnt correct it, they DELETED it (wouldnt have been for another 3 yrs). 😁
I'd like to stay in the garden for all of 2018 
that said, my goals are:
1. SP CLIs only - if I get any auto CLIs awesome, and I am hoping for Barclays and BOA to give me some luv in the new year.
2. No HPs whatsoever (unless it's beyond my control) - so no changing of utilities, internet or cell service which would otherwise trigger an HP. Ugh.
3. Get my EX Fico 8 stable to the 790s. All the HPs pummeled it out of the 800s, and all the new accounts (which were opened to offset CLs lost in closing sub-prime accounts) dropped my AAoA down by about 2 years, but I'm still above 7 years.
4. Pay off my BoA balance transfer and get down to 1% utilization on that line, and maintain 0% on all the revolvers.
Happy New Year everyone!
My new year credit goals are:
Garden (with exception of a possible HP for a Chase cli);
See if Discover will give me an auto cli at the 3 month mark and then smash the luv button if they do;
MAYBE ask Chase for a cli on my SWRR as I’ve had it for 2 years in February with no luv;
And, finally, let my two Comenity store cards go (I don’t use them, but they were good early on in my rebuild).
After those two CLI’s, I will not ask for any more. Chase and Discover are my lowest at $3000 and $7000 respectively. All other cards are over $15,000 and I don’t see a need, or ability, to use more than that with my spend.
I had an aggressive year in ‘17 while building my profile. Time to kick back and let it age!
See ya in the new year! Much love 💕
@longtimelurker wrote:Be boring and remind people to (also) focus on things like Roth IRA/401(K), as they will matter more in the long term than 1% extra in cc rewards!
OMG I could not hit the kudos button ENOUGH!!!!!!!!! Thank YOU for that reminder!!!!!
@kdm31091 wrote:No inquiries in 2018 (unless unrelated to credit cards). Just focusing on what I have and laying low.
That's my resolution too.
I've already met my credit goals for 2018 (one bank card over $10,000, PIF policy, others over $5,000), so my resolutions are:
1 - No inquiries since I'm not applying for anything
2- Get my FICO 8 scores to get closer to my FICO 9 scores by paying in time and continuing AZEO. (all of my FICO 8 scores are 717-734, all FICO 9 scores are over 770)
3- Trimming down unused cards throughout 2018.
4- Keep on learning from the best folks here on MyFico!
No credit news is good credit news!
