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Keeping track of everything

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Anonymous
Not applicable

Keeping track of everything

Of course I use mint. 

 

 

But at the moment I am also using Evernote for keeping track of action items mainly by month and by year. So for October I have save 2k in HYSA, increase contribution to 401k, apply for secured loan, amex 61 SP CLI 3x, 6month mark on BoA TU inquiry, etc....

 

the he months go on and on about savings, investments, action items for  my credit strategy. 

 

How are you guys keeps track of when your projected score boosts should be and when to go on an app spree?

Message 1 of 4
3 REPLIES 3
Anonymous
Not applicable

Re: Keeping track of everything

Did I mention this forum has turned me obsessed with managing my finances

Message 2 of 4
takeshi74
Senior Contributor

Re: Keeping track of everything


@Anonymous wrote:

 

How are you guys keeps track of when your projected score boosts should be and when to go on an app spree?


I don't track my scores.  I monitor my reports.  If I'm really concerned about an upcoming app I'll use a CMS to monitor my reports daily to determine the best time to app.

Message 3 of 4
CreditDunce
Valued Contributor

Re: Keeping track of everything

Right now I am just using CreditKarma and the free Experien CR to keep track of credit reports items.   For my finances I use Vanguard.  VG mostly use them to keep track of my stock/bond/cash asset allocation and such. I am trying really hard not to fiddle with any of my investments right now.  I also rely on eBills to my main bank to make sure I don't miss any payments.

 

Honestly, where I really keep track of what to app for, when etc, is a spiral bound notebook.  As I find things to apply for I jot them down. I include why I want the CC, etc.  And any reason I wouldn't be approved (e.g. waiting 6 months since last Barclay card).  Who they are likely to pull, etc.   I also keep track of my credit scores in the notebook.  But since I don't try to optimize my credit score apart from when I am app'g, the scores don't mean much.

 

Next week when I am ready to app, I will review everything and make the final decisions on what to app for.  Right now my credit portfolio is not very complicated.  This spring I had 1 open CC.  No other open loans, etc.  I have added 5 new CC's.  I am planning on adding another 12 or so TLs either between October 2014 and January 2015. 

 

With all of the new accounts, I will probably need to look into Mint.  I can see the need for one consolidated place.

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