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In May 2013 I began as a member on this site and with all the knowledge provided and through reading numerous posts, I have cleaned up my report, my cards and now I am set to garden (2 weeks in there already). I've completed all my tasks today so I am officially ready to watch for growth!
Below is a tally of what I've closed and kept/opened:
Closed: None of these are my oldest card.
Target (500)
Dell (3000)
Macys (500)
VS (1350)
Loft (1150)
Nieman Marcus (1,000)
USAA FSB (1,000) Fee
Cap1 (750 ) Fee
Capt 1 (1000) Fee
HSBC (300)
Kept/Opened:
Chase Freedom** (2005) CL $5000 (started at $400) 1 HP increase - moved 1,000 from new Chase card
Norstrom (2005) CL $2500 (started at $500) 2 requested SP increases
Citi Dividend Mastercard (2006) CL 2000 (working on this but the CLD'd me back in May - balance chasers but I'm determined to show them I'm credit worthy)
CFNA Firestone (2012) CL $2200 (started at $1700 -auto CLI)
Amazon Storecard - GE (2012) CL $5,000 (started at $700) 2 requested SP Increases
JCREW (2011) CL $1,3500 (started at $250) auto and requested SP increases
BR Visa - Opened as storecard 2007, transferred in 2012 as Visa - CL$4,000 (started at $400) - auto CLI & requested SP Increase
BofA - 5/2013 - CL $12,000 (started at $6,000) 1 HP increase 8/2013
Discover It - 6/2013 CL $1200
Chase Southwest** - 7/2013 CL $6,500
CSP** - 8/2013 CL $10,000
AMEX BCE-8/2013 CL $10,000
**I moved some of the chase initial CL's around to where I saw fit for my use. I will be closing the Chase SW and moving that to my CSP as I realized after the fact that I would benefit more from the CSP**.
The CSP has not hit my CR yet....but otherwise, my oldest account was opened 10 years ago and my current AAofA is 5 years. Zero Collections, 2 baddies (2007/2009 - each 30 days late).
I have a Personal loan and student loans - 2 paid car loans.
I'm excited to see my new portfolio laid out and I'm thrilled that all this work has paid off!! It's so interesting how far behind I was and couldn't have gotten where I am today without the knowledge I have gained over the last 3 months! Plan on gardening until I apply for my mortgage....hooray!
**edited to correct error**
@09Lexie wrote:
Very nicely done! I think you'll be really happy with the growth potential of your new seedlings.
Thanks-I still feel like I have too many accounts for me, but I don't want to give any others up! My next hurdle is to figure out how I can maintain them all so they won't be closed due to inactivity.
@jlfce1 wrote:In May 2013 I began as a member on this site and with all the knowledge provided and through reading numerous posts, I have cleaned up my report, my cards and now I am set to garden (2 weeks in there already). I've completed all my tasks today so I am officially ready to watch for growth!
Below is a tally of what I've closed and kept/opened:
Closed: None of these are my oldest card.
Target (500)
Dell (3000)
Macys (500)
VS (1350)
Loft (1150)
Nieman Marcus (1,000)
USAA FSB (1,000) Fee
Cap1 (750 ) Fee
Capt 1 (1000) Fee
HSBC (300)
Kept/Opened:
Chase Freedom** (2005) CL $5000 (started at $400) 1 HP increase - moved 1,000 from new Chase card
Norstrom (2005) CL $2500 (started at $500) 2 requested SP increases
Citi Dividend Mastercard (2006) CL 2000 (working on this but the CLD'd me back in May - balance chasers but I'm determined to show them I'm credit worthy)
CFNA Firestone (2012) CL $2200 (started at $1700 -auto CLI)
Amazon Storecard - GE (2012) CL $5,000 (started at $700) 2 requested SP Increases
JCREW (2011) CL $1,3500 (started at $250) auto and requested SP increases
BR Visa - Opened as storecard 2007, transferred in 2012 as Visa - CL$4,000 (started at $400) - auto CLI & requested SP Increase
BofA - 5/2013 - CL $12,000 (started at $6,000) 1 HP increase 8/2013
Discover It - 6/2013 CL $1200
Chase Southwest** - 7/2013 CL $6,500
CSP** - 8/2013 CL $10,000
AMEX BCE-8/2013 CL $10,000
**I moved some of the chase initial CL's around to where I saw fit for my use. I will be closing the Chase SW and moving that to my CSP as I realized after the fact that I would benefit more from the CSP**.
The CSP has not hit my CR yet....but otherwise, my oldest account was opened 10 years ago and my current AAofA is 5 years. Zero Collections, 2 baddies (2007/2009 - each 30 days late).
I have a Personal loan and student loans - 2 paid car loans.
I'm excited to see my new portfolio laid out and I'm thrilled that all this work has paid off!! It's so interesting how far behind I was and couldn't have gotten where I am today without the knowledge I have gained over the last 3 months! Plan on gardening until I apply for my mortgage....hooray!
**edited to correct error**
Awesome job, nicely done! Looking really sharp
Congrats!
Good job.
Good cards plant them deep for max growth and your garden will flourish
Thanks all, I appreciate the support and encouragement! And it really does show that knowledge is power!
you did an excellent clean up congrats.