I've got a few:
1. Get rid of last remaining 3 negatives - chances of achievement are really high because all are set to fall off between now and Mar 2014 so I'm aiming at success before then.
2. All scores over 720 - chances of achievement by 2013 are dependent upon #1
3. Discover IT - CLI to at least $5K, 50/50 chance of achievement since they are so conservative
4. Barclays Rewards - CLI to at least $5k, chances of achievement are 80% if #1 and #2 above are achieved.
5. Get my 1st single CL over $10K - this will occur with NFCU and chances of achievement are high that this will be achieved within 6 months.
Mainly to continue paying down my balances. Last year I brought my utilization down from over 80% to about 30%.
This year my goal is to get it under 10%, allow a couple inquiries to fall off and to grow my new accounts. (Get my walmart card limit increased!)
This year my goal is to get it under 10%, allow a couple inquiries to fall off and to grow my new accounts. (Get my walmart card limit increased!)
Starting Score: EQ 717 EX 724 TU 736
Pay off the credit cards.
Then save for larger down payment to purchase new vehicle.
Starting Score: EQ 732 October 2007; Current Score: EQ 839; TU 865, July 2022;
1) Save moar money! ~$7,000+
2) Get new car ($1,500 downpayment)
3)Save for trip to cancun ($2,500-$3,000 for flight and resort for two)
4)Get emergency fund to $3,600 (I'm doing it slowly but surely! I'm already 1 month ahead of schedule, I might be able to get 4 months ahead if this month goes well!)
5) Garden until at least 03/2014 (If I don't find a home / car that would be stupid not to get asap)
6)Wait for my AAoA to grow 
1. Credit score of 750
2. Lower APR on my Discover IT
3. Convert Orchard card to Capital One platinum Prestige
Garden!!! I have the app bug. I think it some sort of immediate gratification, validation acceptance thing. SO I am going to work on improving my CRs. Try to grow some of my limits to the 5K club.
1. Reopen nordstrom account when eligible in August
2. Get cli on C1 via eo to 5k & 3ks Also get cli on discover and barclays
3. No more apps
4. Gw late payments on nordstrom
5. Get to score of 720!
2. Get cli on C1 via eo to 5k & 3ks Also get cli on discover and barclays
3. No more apps
4. Gw late payments on nordstrom
5. Get to score of 720!
@toppers555 wrote:I honestly really don't have any after getting CSP. Maybe buy a house , but I have no credit card debt really besides 5k 0% direct deposit I took out on my Bofa, which I can pay back at anytime, but right now is just cash reserves. Maybe put more towards student loans ,and stock investments.
Looks like I may have jnixed myself. new goal Holy war against AT&T ,and Enhanced recovery services.
My goals for this year are:
1. Pay off all existing CC debt
2. Get rid of Credit One! (bye bye in less than 2 months)
3. Obtain Chase Freedom and Discover It...maybe 1 more
4. Get an auto loan at a decent rate
5. PC my now three Cap one cards into something worthwhile or get rid of them. I'll also accept CLI and AF removal
6. Get at least one of my scores to 700
7. Keep gardening and don't eff up
8. Start attacking my student loans