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October Check in Thread

Valued Member

Re: October Check in Thread

 

I just paid off my Discover CC so now all I have is $10,000 on my Bank of America.  With Christmas coming up, I'm hoping to pay for all the gifts with cash only and not use any of my credit cards.  I may not be able to pay my Bank of America down as fast as I wanted to but hopefully by April 2015, it should be paid off.  Fingers crossed.





Current Score: EQ:829 (9/8/17) TU:819 (9/8/17) EX:821 (9/18/17)
Goal Score: 825 across the board
Message 11 of 13
Valued Contributor

Re: October Check in Thread

Joined the fitness challenge in 4/2014 & met al my goal by 8/2014.  Which were: 1) Improve FICO score to 760 - 850 range 2) Get pre-approved for new home loan 3) Buy new home in Bay Area (relocating near adult kids).  In August I established a new goal:  1) not have more, total debt, for credit cards and student loans than I had at the beginning of 2014.

Prior to purchase of new home, I was on track to pay off all credit card debt by 11/2014 and student loan by 12/2014. 

Thus my goals (after purchase of new home) is to keep total CC and student loan debt below my 1/2014 balance and by March 2015 develop new plan to pay off cc & student loan debt.

 

Chart of debt 1/2014:

 

Account Name

 

Balance

 

Limit

 

Interest Rate

 

Promo rate

 

Promo end date

 

AT&T Universal

 

6866.39

 

 

11.99%

5.99%

Til paid

Home Depot 

 

0

 

 

 

 

Amazon/ Chase

 

0

 

12.24%

 

 

KSFCU VISA 

 

 

 

 

10.9%

 

 

Firstbank Card (Union)

17873.52

 

12.99%

5.99%

 1/2015

DOED TREAS/OSLA

 

14637.53

 

 

6.55%

& 2.99%

 

 

Total Debt

39377.44

 

 

 

 

 

 

 

 

 

 

 

 

 balances 9/30/14

Account Name

 

Balance

 

Limit

 

Interest Rate

 

Promo rate

 

Promo end date

 

AmEX Costco

197.30

 

13.24

 

 

 

 

 

 

Amazon/ Chase 

 

0

 

12.24%

 

 

KSFCU VISA

4102

 

 

10.9%

 0%

 3/2015

Firstbank Card (Union

2468.20

 

12.99%

0%

 5/2015

DOED TREAS/OSLA

 

7801.63

 

 

6.55%

& 2.99%

 

 

Home Depot

 

2002.90

 

 17.99

 0%

 4/2015 & 9/2015

Total cc & SL debt

$15,410.60

 

 

 

 

 

 

 

Original Mortgage maturity Sept 2044; Refi maturity Dec 2030
Starting Score: EX 751 EQ 720 TU 737 on 4/9/14
Current Score: EX 849 EQ 835 TU 843
Goal Score: 850


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Message 12 of 13
Highlighted

Re: October Check in Thread

Hello all,

 

It has been a wonderful month of great accomplishment...I closed on my house on October 22, 2014. I'm still in amazement. However, my journey is not over; I am on a mission for overall good credit.. Since closing I have been on a bit of a credit spree..desparately seeking a Lowe's, Home depot or Sears card. So have to do a bit of recon. As soon as I have accomplished one of those cards. Any suggestions would be useful.I will be gardening until 05/2015.  

Message 13 of 13