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What is your 2015 new years credit resolution

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MT936
Established Contributor

What is your 2015 new years credit resolution

In honor of new years, what are some goals you have for the 2015 year? What is your 2015 new years credit resolution?

Mine is to garden throughout the whole year to increase my AAoA which is pretty low right now from all the new accounts i opened up in 2014!
Amex Blue Cash Everyday: $25,000 | Navy FCU Cash Rewards: $25,000 | Discover It: $20,500
Chase Freedom: $12,500 | Citi Double Cash: $10,000 | Bank of America Cash Rewards: $8,000

Message 1 of 23
22 REPLIES 22
kdm31091
Super Contributor

Re: What is your 2015 new years credit resolution

Going to Garden. I basically have the cards I want for now, and am going to focus on CLI, lowering APR, and increasing AAOA Smiley Happy

Message 2 of 23
Anonymous
Not applicable

Re: What is your 2015 new years credit resolution


@MT936 wrote:
In honor of new years, what are some goals you have for the 2015 year? What is your 2015 new years credit resolution?

Mine is to garden throughout the whole year to increase my AAoA which is pretty low right now from all the new accounts i opened up in 2014!

Mine is to get in with Citi. (Executive AAdvantage if 100K offer is available, and Citi Prestige), Possibly DoubleCash too.

Message 3 of 23
Uppingmyscore
Established Contributor

Re: What is your 2015 new years credit resolution

Consider applying for CSP and convert my Amex Blue over to the Everyday..... Otherwise I think I have all I need.  

My Wallet: Amex Express BCE $27,000, Amex Express Blue Sky $6,000, Delta SkyMiles $10,000, Discover $14,000, Chase Freedom $23,500, Capital One $8,000, SAMS $10,000, and LOWES $10,000
Message 4 of 23
tiffjtiffj
Contributor

Re: What is your 2015 new years credit resolution

Keep my head down, wait and realize no one is giving me anymore credit.  Anything worth it anyway. I really want something good in 2017 when my baddie fall off.


Current EQ 634 TU08 670 EX 627
Garden: Take #25 (2017 - ouch)
2017 Goals: Citi Premier
Message 5 of 23
1GaDawg85
Valued Contributor

Re: What is your 2015 new years credit resolution

Garden for a full year, get util down, and pull on Navy Fed for CLI's 


FICO 5 ,4, 2 - 10/2023                            FICO 8 - 10/2023                                   FICO 9 - 10/2023                                   FICO 10 - 10/2023
     
Message 6 of 23
FocusedAndDetermined
Senior Contributor

Re: What is your 2015 new years credit resolution

I achieved my 2015 goal yesterday with an AMEX Everyday approval.Smiley Very Happy  I will wait to see how the backdatnig (1990) impacts AAoA. 

 

For the next few months I will rotate my current lineup of cards for best miles/points yield.  Sometime during the summer I might go for another AMEX.

 

I'm just happy to have learned the value and rewards of managing credit repsonsibly.  I didn't have the best role models or a concrete plan.  It's a new day, and I am a new woman.Smiley Very Happy

Message 7 of 23
chalupaman
Super Contributor

Re: What is your 2015 new years credit resolution

Getting a 10K limit card, having higher FICO scores, more consolidated TLs, the works.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 8 of 23
uswala
Senior Contributor

Re: What is your 2015 new years credit resolution

Simple.....achieving 800+ scores from all 3 agencies.

Message 9 of 23
Anonymous
Not applicable

Re: What is your 2015 new years credit resolution

1) Get my FICO scores in the 700s.

2) Acquire the Double Cash, Chase Marriott, and an individual Discover It.

Message 10 of 23
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