CALady's Success Story

[purified7]

do thomasville give Small business or corporate credit card??

[purified7]

congrats,

 

how can i get all those credit biz like you?

[purified7]

does thomas ville give biz credit? do you have their number

[A+Credit2005]

Congrats on your success'!!

[james]

CONGRATS on all your success! I miss your posts CaLady. I hope you are doing well.

[Brad J]

She's been gone a long long time james.

 

I do remember she had an incredible run with approvals and CLI's. It was awe inspiring to say the least and I am glad I followed her posts, cause I sure learned alot.

[junebug_]

Hi everyone,

I just started reading this board and I am a little confused. It seems like the goal of the people here is to borrow as much money as possible and be in debt for the rest of their lives. I don't mean to sound cynical, but I do not even own a CC, have no car payments, mortgage will be paid in 4 years, and I work hard to keep 6 months cash in a savings account for rainy days. Is my approach flawed, am I missing some point somewhere?

 

Thanks for any words of wisdom!!

[BrwnEyedGirl]

Hi everyone,

    I just started reading this board and I am a little confused.  It seems like the goal of the people here is to borrow as much money as possible and be in debt for the rest of their lives.  I don't mean to sound cynical, but I do not even own a CC, have no car payments, mortgage will be paid in 4 years, and I work hard to keep 6 months cash in a savings account for rainy days.  Is my approach flawed, am I missing some point somewhere? 

 

Thanks for any words of wisdom!!

<{POST_SNAPBACK}>

You should have posted this in the Money Management or Credit Forum instead of posting it under a success story.

Edited December 9, 2005 by SDMuse

[stillinthegame]

She's been gone a long long time james.

 

I do remember she had an incredible run with approvals and CLI's. It was awe inspiring to say the least and I am glad I followed her posts, cause I sure learned alot.

<{POST_SNAPBACK}>

 

 

I agree. She helped me tremendously-always encouraging and steering me in the right direction.

[Brad J]

Hi everyone,

    I just started reading this board and I am a little confused.  It seems like the goal of the people here is to borrow as much money as possible and be in debt for the rest of their lives.  I don't mean to sound cynical, but I do not even own a CC, have no car payments, mortgage will be paid in 4 years, and I work hard to keep 6 months cash in a savings account for rainy days.  Is my approach flawed, am I missing some point somewhere? 

 

Thanks for any words of wisdom!!

<{POST_SNAPBACK}>

 

Congratulations.

 

Since you have no credit cards, no car loans, and 6 months living expenses saved, there is really no reason for you to stick around CB, now is there?

 

Thanks for stopping by

[ladygirl99]

Hi everyone,

I just started reading this board and I am a little confused. It seems like the goal of the people here is to borrow as much money as possible and be in debt for the rest of their lives. I don't mean to sound cynical, but I do not even own a CC, have no car payments, mortgage will be paid in 4 years, and I work hard to keep 6 months cash in a savings account for rainy days. Is my approach flawed, am I missing some point somewhere?

 

Thanks for any words of wisdom!!

<{POST_SNAPBACK}>

 

Congratulations.

 

Since you have no credit cards, no car loans, and 6 months living expenses saved, there is really no reason for you to stick around CB, now is there?

 

Thanks for stopping by

 

 

[tryonpark]

My scores were as follows when I first joined CB:

How did you improve your credit so dramatically??

05/2004

TransUnion-661

Equifax-601

Experian-615

 

Problems were: very high utilization, one 30-day late with Macy's & one 60-day late with First Premier back in 1999.

 

Total revolving CL were around $15,000.

 

Thanks to CB, I was able to get rid of the lates, and improve my utilization dramatically.

 

Now my total credit lines look like this:

 

PERSONAL CARDS

 

Discover Platinum - $10,000

Chase Platinum - $4,300

Providian Platinum - $1,500

Citi Diamond Preferred - $10,000

Citi Home Rebate Card - $10,000

Citi Platinum - $10,000

National City Elite - $2,000

Patelco Visa - $12,000

Amex Green Rewards - N/A

Amex Starwood - $6,900

MBNA Sharper Image - $5,000

MBNA Merill+ - $10,500

Chase Toys R Us - $10,000

Circuit City Visa - $5,000

Bank One Disney Visa - $7,900

MBNA Bluenile LOC - $5,500

Thomasville GECC - $10,000

Levitz - $3,500

Sears - $875

Home Depot - $9,000

Best Buy - $10,000

OfficeMax - $1,100

Macys - $5,100

Chevron - $1,500

Shell - $300

JCPenney - $2,500

Target - $200

 

Total Personal: $154,675

 

BUSINESS CARDS

 

Amex BlueCash Biz - $17,400

US Bank Worldperks - $7,500

Bank of America Plat - $2,000

Chase GM Biz Plat - $15,000

Marriot Rewards Visa - $7,000

Amazon Corp - $1,500

Best Buy - $7,500

Home Depot - $3,000

Expo Design - $3,000

Office Depot - $1,000

Lowes Revolving - $1,200

Walmart Revolving - $1,500

Sears Net 30 - $5,000

Tiffanys Net 30

Viking Net 30

NEBS Net 30

Uline Net 30

UPS - weekly billing

 

Total Biz: $72,600

 

--------------------

 

Total Biz + Personal: $227,275

 

My most latest scores are in my siggy.

 

I still learn something new each day when I log onto CB, and share as much as I can of my experiences in order to help and motivate in my own little way the others on this board.

 

CB has been my saving grace, and I've also come across some of the coolest people because of this board.

 

Edited to add:

 

Also because of this board, I am now the proud homeowner of two homes (one I am doing a rent to own on, and the other, my dream home that I now live in). I was also able to successfully launch my own business and gain business credit for it, and got a new 2004 Sienna last year with a great rate.

 

I've been pimping CB off to all my friends and family, saying this board is better than sex, and that they should all join!

[Carlos1958]

WOW Amazing job.....I'm really enjoyoing your success.....Take care