thanks. yea im deffinatly done now. for atleast the next year as far as credit cards go. only looking to finance a car and a ninja zx10r next year. other than that time to garden
Starting Score: TU 583, EX 683, EQ 653
yea it is
@ninjamike81 wrote:first off. THANK YOU ALL FOR THE HELP AND GUIDANCE PROVIDED HERE IN THIS FORUM.
just approved for citi simplicity 1200.00 and discover more 1500.00 today have to get back into the garden now. this stuff is soooooo addicting
what good about citi simplicity ? what your current score and AAOA and stuff ? baddie goodie ? any other cards you had ?
Starting Score: 560
@emptypockets wrote:
@ninjamike81 wrote:thanks. yea im deffinatly done now. for atleast the next year as far as credit cards go. only looking to finance a car and a ninja zx10r next year. other than that time to garden
LOL, i thought you said a zx-6r in another thread....either way awesome bikes! Congrats on your recent approvals!
the new zx6r costs 13200.00 just released pricing 2 days ago. lol the 10 makes more sense to me 65 extra hp for 2k more 
as to my report copy and paste job from my rebuilding thread. for citi nothing special just wanted my foot in the door for ALL the major cc companys NEXT YEAR AMEX BCE IN SEPT
Making this thread to keep track of my journey. Any and all info will be appreciated. Thank you to everyone on this forum and there willingness to help
a little about my situation. I had bad credit habits back in 2000-2002 including a repo and a charge off capitol one card and a couple of collections for hospital bills. Also have a student loan charge off from a technical school but it is only showing on trans union. I have paid off all the hospital bills and had them removed.
FAKO'S TU 597 pulled by CK EX 683 pulled by CS EQ 653 pulled by FRSC 8/1/2012
just used usaa 8/17/2012 TU 563 EQ 9002 EX 9002
inquiries TU=10 EQ=9 EX=6
usaa EX 726 EQ 718 TU 583 9/13/2012
average age of credit lines 2y 4mo BEFORE ADDING CHASE WALMART CITI AND DISCOVER PROB LIKE 1 YEAR ADVERAGE NOW REALLY TOOK A HIT BUT IN GARDEN SO IT DONT MATTER NOW
INSTALLMENTS
student loan 3400.00 paid as agreed no lates
student loan 6200.00 paid as agreed no lates
student loan 2700.00 paid as agreed no lates
student loan 3800.00 paid as agreed no lates
switched all 4 to Income Based Repayment. 0 monthly payment for 25 years unless I make over 40k a year after 25 yrs any remaing balance is forgivin waiting on fedloan to switch it all over to the new plan
CREDIT CARDS
cap one 500.00 CL paid as agreed no lates opened 7/1/2012
walmart 300.00 CL paid as agreed no lates opened 9/13/2012
chase freedom 500.00 CL OMG they instant approved me SWEET 9/14/2012
CITI SIMPLICITY 1200.00 CL RECONED OVER PHONE 9/18/2012
DISCOVER MORE 1500.00 CL RECONED OVER PHONE 9/18/2012
NEGATIVES
student loan 3200.00 charged off date of first del. OCT. 2006 falls off 10/2013
WHAT I WANT TO ACCOMPLISH OVER THE NEXT 3 YEARS
1) ALL student loans paid off right now I owe 16,500.00
2) KAWASAKI GOOD TIMES CARD 20K LIMIT Im a certified kawasaki tech. Want to buy 2013 ZX10R next year
3) 30,000.00 CAR LOAN "DODGE" DART SRT-4
4) PRODUCT CHANGE FROM CAP1 PLAT. TO PLATNUM PRESTIGE B/C NO ANNUAL FEE
5) AMEX BLUE CASH 5,000CL CARD B/C NO A/F
6) BARCLAY'S NFL RAVENS card 5000CL B/C NO A/F
7) DISCOVER MORE $5000CL BUT GOT APPROVED FOR 1500 YAYYYYYY
8) CITI THANK YOU CARD 5,OOOCL B/C NO A/F
9) let all INQ fall off highest is 13 on TU 12 on EQ 9 on EX
10) STABILIZE CREDIT TO BUY HOUSE 25K DOWN ON 150,000.00 LOAN
Sounds like you have a good plan, with some goals to be looking forward to. I have a couple of friends with tricked out ZX-14's, and they are some awesome machines! 
Just a note about the Kawasaki card - beware the financing terms, and make sure you read the terms and conditions. If you garden your recently acquired cards carefully, you can probably get approved for a bike loan through a credit union. The Kawasaki card is not really a credit card, it is more like a line of credit with a balloon payment. You buy the bike on the "flexible line of credit" at some low interest rate (like 2.9%) and the payment is low for first couple years. After 2 years, if there is still a balance on the card, the payment adjusts (kind of like and adjustable rate mortgage), and the interest rate goes up to like 16-17% (and the payment with it). Many times, you will end up owing more on the bike than it is worth, with the interest. The rate also goes up to the default rate if you miss a payment.
Make sure you read and understand all terms and conditions for any offer of credit. This one, in particular is not the greatest.
Thanks for the heads up on the kawasaki card. Working for a motorcycle dealer before I got injured at work I had allot of experience with the card and other peoples mistakes. Im waiting for them to offer the 0.9%apr and through a friend at the dealer I worked for "finance manager". We worked out what my payments would be to have it paid off to 0 balance at the end of 36 months "normally when the balloon payment happens" but thanks though. ALOTT of people have a big problem with that card because they see $69 a month and dont realize that 95% of it is strictly interest. expecially on powersport "TOYS". #1 reason trying to find atv or dirtbike used with a title is almost impossible.