How Different Are We myFICOans?

indiolatino61 · ‎12-30-2013

Hello all...Happy Holidays and Happy New Year!

AAoA, utilization, pay before/after statement cut, inquiries...are these things of concern to the general population as much as it is for us...lol? Before I came here, I was cluless as to any of these things. IME, most if not all of my friends don't give a second thought to any of the topics discussed here. Of course, their credit is not as good as it can be. Are we a breed apart, or just obsessed...lol? Thanks as always for your comments.

heyitsyeh · ‎12-30-2013

It's enough of a difference of "us" and them that I recommend my friends to join "us" all the time, if they show any amount of curiosity about this whole "managing your credit" thing.

TU: 777 | EQ: 814 | EX: 764
Last INQ: 3/26/21
AAoA: 4y 7m
Lowest limit: Chase Freedom Visa - $13,000
Highest limit: Discover It - $56,500
Available credit: $200,600 (8 cards)

jamesdwi · ‎12-30-2013

Before I came here I thought only people with charge cards actually paid the bill in full everytime, like "Outstanding Balance" button was only used once in a blue moon, now I relize many people the full balance every month. even on revolvers, even I do for the most part.

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k

Anonymous · ‎12-30-2013

Before I got here I only had a WF rewards card. I have always paid in full. I still don't bother with paying before the statement cuts.

eagle2013 · ‎12-30-2013

@Anonymous wrote:
Before I got here I only had a WF rewards card. I have always paid in full. I still don't bother with paying before the statement cuts.

+ 1 Me neither unless I am preparing for an app spree, which is only about once a year.

Anonymous · ‎12-30-2013

@indiolatino61 wrote:
Hello all...Happy Holidays and Happy New Year!
AAoA, utilization, pay before/after statement cut, inquiries...are these things of concern to the general population as much as it is for us...lol? Before I came here, I was cluless as to any of these things. IME, most if not all of my friends don't give a second thought to any of the topics discussed here. Of course, their credit is not as good as it can be. Are we a breed apart, or just obsessed...lol? Thanks as always for your comments.

As with many areas, there are degrees of expertise. In some places this is considered very much the "beginners" forum, where few of the advanced "important" things are discussed. But what is here works for many, in the same way as the general population are fine with the their level of knowledge!

SpiceIslander · ‎12-31-2013

@indiolatino61 wrote:
Are we a breed apart, or just obsessed...lol?

Both!

CreditJunkie917 · ‎12-31-2013

Oh Yeah!! +1

Amex PRG(NPSL), Amex BCE($5K), Amex Hilton($1K), NavCheck ($15K), NFCU CR Siggy($20K), USAA Amex($7K), USAA World MC($7K), CSP($2.3K), Chase Marriott($1.8K), Care Credit($2.5K), Cap1 QS($3.5K), VS($500), Cap1 Secure($200) Starting Scores(Jan 2013): FICO EQ: 643, TU: 552, EX: 567 Current Scores(Sept. 2016): FICO EQ: 672, TU: 703(?), EX: 682 In the Garden FOR-EV-ER!!!!! Cards and goals achieved! Let's grow and mature these babies!!!