Closed all my subprime cards. lol

Jammo13 · ‎03-29-2024

Finally closed all my subprime cards. PIF.

Milestone

Surge

Credit One

Capital One QS for Good Credit

Capital One QS Secured

Sticking to my:

NavyFed MoreRewards

NavyFed CashRewards

NavyFed GoRewards

Best Buy Citi Visa

Military Star Card

Citi Premier Diamond

FICO8 EXP | FICO 8 EQ | FICO 8 TU
711 | 722 | 712

SouthJamaica · ‎03-29-2024

@Jammo13 wrote:
Finally closed all my subprime cards. PIF.

Milestone
Surge
Credit One
Capital One QS for Good Credit
Capital One QS Secured

Sticking to my:
NavyFed MoreRewards
NavyFed CashRewards
NavyFed GoRewards
Best Buy Citi Visa
Military Star Card
Citi Premier Diamond

Congratulations on the great strides you've made.

Unify FCU Platinum Visa Variable Rate 35k

TD Bank Business Solutions Visa (Bus) 25k

FNBO Evergreen Business Edition Visa (Bus) 20k

Liberty (formerly Evansville Teachers) FCU Platinum Prime Plus MC 15k

US Bank Triple Cash Rewards Visa (Bus) 12k

Geo-fenced credit union Platinum Visa 10500

Members 1st FCU Low Rate Platinum Visa 5k

PLOC: Langley FCU 40k; Penfed CU 15k; NFCU 15k; Teachers FCU 15k; Affinity FCU 10k. BLOC: NFCU 5k

Total revolving limits 586020 (520820 reporting) FICO 8: EQ 694 TU 696 EX 692

CorpCrMgr1 · ‎03-30-2024

Congratulations! Didn't it feel good?

JoeRockhead · ‎03-30-2024

Nicely done, congratulations on your progress.

citymunky · ‎03-30-2024

Must feel good. This year I'm going to start closing some of my Subprime cards after about 2-3 years of history.

Rebuilding since 2021

Closed CCs
USAA (Jul 2019| Settled CO), Jasper $1K CL (Jul21-Jul22), Sable $250CL{Secured} (Jan22-Jun23), CreditOne Platinum $750CL (Jul21-Aug23), Prosper $1.9K CL (Jan22-Apr24), Self $625 CL {$350 Secured } (Aug21-Jul24)

Starting FICO 8 Scores:

Current FICO 8 Scores:

keekers · ‎03-30-2024

Congratulations. Feels great, doesn't it.

Thomas_Thumb · ‎03-30-2024

@Jammo13 wrote:
Finally closed all my subprime cards. PIF.

Sticking to my:
NavyFed MoreRewards
NavyFed CashRewards
NavyFed GoRewards
Best Buy Citi Visa
Military Star Card
Citi Premier Diamond

Good work.

Now time to focus on some CLIs for your remaining cards.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950

FicoMike0 · ‎03-30-2024

Is quicksilver considered subprime? Do I care? I don't use it much, but I do use cap1 savings.

citymunky · ‎03-31-2024

@FicoMike0 wrote:
Is quicksilver considered subprime? Do I care? I don't use it much, but I do use cap1 savings.

The QS=no

The QS1= yes

The QS Secured = Yes

Rebuilding since 2021

Closed CCs
USAA (Jul 2019| Settled CO), Jasper $1K CL (Jul21-Jul22), Sable $250CL{Secured} (Jan22-Jun23), CreditOne Platinum $750CL (Jul21-Aug23), Prosper $1.9K CL (Jan22-Apr24), Self $625 CL {$350 Secured } (Aug21-Jul24)

Starting FICO 8 Scores:

Current FICO 8 Scores:

pinkandgrey · ‎03-31-2024

Congrats! Good feeling, eh?

Discover It: 26.5k
Fidelity Visa: 21.5k
Amex Cash Magnet: 18k
Apple Card: 9k