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Credit Goals for 2012

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castlefox
Regular Contributor

Re: Credit Goals for 2012

My credit goals for 2012 is to get another rewards card, get all of my scores 800+ and get one of my credit cards up to a credit line of 7,500.

 

Im not sure how attainable my goals are but this is what I am shooting for.  Thinking about my goals have helped remind me that I need to keep my utilization under 10% and 20% worst case scenario. 

MyFICO score- Equifax - 12.03.11 - 780 Experian 12.03.11 - 763
(FAKO Scores) EXP PLUS Score Dec 2011. 748
Advanced Risk Score 2.0 (NextGen) 793 Dec 2010
Vantage Score (2011) MAR = 771 Jun = 771 Sept= 788 Dec= 773
2012 MAR = 782 JUN=783 Dec = 789
2013 Mar-796 Jun-799 Dec- 797
Message 11 of 37
laz98
Senior Contributor

Re: Credit Goals for 2012

i want to get across 700 on all 3 scores, finally, & get 1-2 really good cards, like navy federal.

Message 12 of 37
sweetschuni
New Contributor

Re: Credit Goals for 2012

I would like to increase my limits on my current two credit cards. I'd really like to find a great rewards card this year. I'd like to join the 700 club by the end of 2012 so that I may purchase a home in 2013. I believe that I may try for a new car mid-2012 also.

Licensed REALTOR in the state of Georgia - "Far and away the best prize that life has to offer is the chance to work hard at work worth doing" Theodore Roosevelt


Message 13 of 37
stone
Regular Contributor

Re: Credit Goals for 2012

my goal if get chase freedom approved in 2012

Message 14 of 37
lithium78
Established Contributor

Re: Credit Goals for 2012

My goal is to get all my scores into the 720 range, which is very possible since all my baddies will fall off my report by the end of 2012 and all my credit card debt will be PIF within two months.  I want to set myself up to get a top tier mortgage loan in early 2013.  I also want to dump all my rebuilder cards with AFs, so I can purely profit off the rewards from my CCs.


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
Message 15 of 37
jeffery581
Established Contributor

Re: Credit Goals for 2012

No new applications. Try for CLI's on current cards. Work on 3 GW letters. Add a bunch of green "OK's" to reports.

Capital One Quicksilver Visa | Capital One Quicksilver Matercard | Sony Visa | ebay Mastercard | Best Buy Visa| Shell Mastercard | CareCredit | Amazon Rewards Visa | Discover it | Lowes | Home Depot | Chase Freedom | Ebates Visa | TJMAX Platinum MasterCard | Stash Signature Visa | Hilton Amex | Bank of America Cash Rewards Visa | Bank of America Better Balance Rewards Visa | US Bank Cash Rewards | Blue Cash AMEX | IHG Rewards Club World Mastercard | Barclay Cash Foward World Mastercard | Bank of America Travel Rewards Visa | US Bank Cash 365 AMEX | Amex Everyday | Target | CITI Double Cash | WELLS FARGO PROPEL AMEX | Royal Carribean Visa | AARP REWARDS VISA | BEst Western Mastercard
Message 16 of 37
elaine829
Frequent Contributor

Re: Credit Goals for 2012

MY goals is to pay down credit cards balances. No new apps. And to get my credit score back up to 680 in 2012.

Message 17 of 37
TheBronxBomber
Regular Contributor

Re: Credit Goals for 2012

My CC goals for 2012 are the following; Since i'm close to 800, i will not apply for anything until I cross that threshold, PC my AMEX gold for the AMEX Platinum, no apps (I have to keep reminding myself), & buy a house.


Current myFICO Scores:03/08/12 EQ: 801 • TU: 801 • Bank of America TU FICO: 822 • Credit Karma Vantage: 873

My Wallet: Amex Business Platinum | Amex SPG (5k) | Amex Delta Reserve (33k) | Citi ThankYou Premier World MasterCard (26k) | Chase Mileage Club Visa Signature (15k)
Sock Drawer: Barclay Ring MasterCard (10k) | Discover More (6.5k) | CapitalOne VentureOne (4.5k) | Macy's | Amex Platinum Personal
Message 18 of 37
quest208
Frequent Contributor

Re: Credit Goals for 2012

760+ fico

2 more credit cards with at least $7,000 credit limit each. 

one a rewards card and one an amex, but if its an amex rewards card even better


TU08 762
NFCU Visa Signature $20,000, Citi Prestige $15,500, USAA Mastercard $11,000, American Express Platinum, Barclays American Express $4700, Best Buy Mastercard $400, Orchard/Capital One $700
Message 19 of 37
MarineVietVet
Moderator Emeritus

Re: Credit Goals for 2012

My goal is not to do anything dumb that would negate the progress I've made over the last several years.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Message 20 of 37
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