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DebtFreeIn04

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Posts posted by DebtFreeIn04


  1. Creditor Balance  Credit Limit Utilization
    Amex BCP $0.00 $4,500.00 0%
    Amex Everyday $6,900.00 $14,900.00 46%
    Amex Hhonors $0.00 $1,000.00 0%
    BBVA $13,300.00 $16,000.00 83%
    BOACC $0.00 $3,900.00 0%
    Cap1 $10,476.00 $15,500.00 68%
    Cap2 $0.00 $3,300.00 0%
    CAP3 walmart $0.00 $6,000.00 0%
    care credit $0.00 $9,600.00 0%
    Discover $9,800.00 $12,900.00 76%
    Home Depot $4,200.00 $17,000.00 25%
    Lowe's $0.00 $17,000.00 0%
    Marvel  $4,241.00 $8,000.00 53%
    NFCU $5,800.00 $12,000.00 48%
    SRPCC local credit union $0.00 $1,000.00 0%
    TJMaxx $0.00 $4,000.00 0%
    Target $0.00 $5,000.00 0%
    USAA $0.00 $2,000.00 0%
           
      $55,417.00 $153,600.00 36%

  2. My best scores in recent memory... All fico 8's as of today on the experian 3 score pull.

    EX 709, EQ 724, TU 726

    Not quite sure why EX is lagging, might be that it's not reporting 5 older closed accounts that looks like only difference.  

     

    Main issues are 35% utilization down from 60% +  last year. No  baddies,  5 6.5 year old, 90 day late pays. On 5 accounts (5 student loans).  My age 61 went back to school 20 years ago for IT. Was a mess paying anything for a little while.  

     

    I'm thinking about either buying new home or buying replacement modular to put on current property in a year or two.  I have 24 open accounts,  18 open credit cards 20 closed, I just opened first new credit account in 2+ yrs with NFCU 12k SL.  Kind of pining for any variation of:

     

    Citi double cash back
    Chase freedom flex
    Wells Fargo propel amex 
    US Bank cash plus

     

    Mainly slamming credit card debt at the moment,  should be close to 20% utilization in a few months,  probably be working till I'm old as dirt 🤣

     

    Not in a rush any suggestions for me? Just chill for new credit and keep working the CLI path?


  3. 2 hours ago, cv91915 said:

    I think the  very first questions I'd ask myself would be, "How long past this do I want to commit to making mortgage payments?" followed by, "How much of my retirement income am I willing to commit to housing costs after I stop working?"

    Might have more justification to sell the doublwide and get a new one , stay put rather than relocating. 


  4. Currently 

    Live in South Carolina,  fico 8's 708,714,717. Credit card utilization 35%, late pays 6.5 yrs ago only thing holding score back.  Salary 114,300.

     

    I'm not in a rush but when the time is right maybe 1 year or so would like to know best first actions, e.g. talk to mortgage broker for pre approval etc?

     

    Im currently 61, Due to alot of bad decisions i didn't buy first home till 6 years ago, no mortgage,  promissory note with relative. Now life is heading in a good direction. Have know idea if it's a good idea to entertain moving to a nicer place. Or what things to consider.  I'll probably be working for a good 8 years if all is right with the world lol.  

     

    I have 1.25 acres the double wide is 20 years old in decent condition.  One question is move to nicer area, or  maybe buy new modular /double wide on the existing property ? My ego wants me to buy new place would like 5 acres and a dwelling.  

     

    I appreciate being able to post this y'all have been very helpful and it helps to get this in print instead of my brain.

     

    Note the zesimate for my place and surrounding area has gone up quite a bit. 

     

    Oh shoot one more thing I have a va loan benefit I've never used.


  5. Just checked experian trial for all 3 fico 8 scores on a whim.  Thought I was in the 670 to 680 range from discover and amex fico. 

     

    EQ 703

    TU 700

    EX 680

     

    That's with 57% utilization (working hard on that)

     

    5-6yr old late pays

    All else pretty clean 8 yr old aaoa. 24 open and 20 closed accounts.  Just scored nfcu 12k 2nd New account in 2 years. Thinking of rolling the dice again but would have to be something useful. 

     

    Thanks to all you smart guys and gals for help and support. 


  6. Hi Heg. I have 24 open accounts 20 closed reporting . Aaoa Is 8 years. 5 open accounts are 18 years each. I just applied/approved for the nfcu account this morning, it is not reporting as of today. Still thinking about it. 🤔

     

    Looked at credit pulls looks like if any I might get 3k or so credit limit on Amazon or any other decent card. Think I'll cool it and go for cli's for the next 6 months. NFCU is my 2nd account opening in 2 years. 


  7. I was gonna wait...then I didn't.  With 57% and dropping cc utilization, Fico 8 TU 674, EX 680, a few late pays from 6 years ago, no collection etc. I was scheming how to help my utilization.  I looked at credit pulls for the last couple months and NFCU Amex more popped up a couple times so I did it. 

     

    Approved 12k, 12.99% TU pull. Should help utilization and I'll check out bal txr. That should put my overall utilization below 49% I'm thinking without having to do math this early. 🤣

     

    Was thinking of rolling the dice again to lower utilization without doing it the standard way of paying down the debt, which i have been would just like a little boost. 

     

    Thinking of Amazon store card then I thought maybe a little patience is in order.  

    What do y'all think? Any low hanging fruit that actually would serve a reasonable purpose?  

     

    I've maxed outmy CLI requests at least for this month lol.


  8. I was gonna wait...then I didn't.  With 57% and dropping cc utilization, Fico 8 TU 674, EX 680, a few other late pays from 6 years ago, no collection etc. I was scheming how to help my utilization.  I looked at credit pulls for the last couple months and NFCU Amex more popped up a couple times so I did it. 

     

    Approved 12k, 12.99% TU pull. Should help utilization and I'll check out bal txr. That should put my overall utilization below 49% I'm thinking without having to do math this early. 🤣


  9. Credit Karma fako reported last collection fell off EQ at 6 yrs and 7months this weekend woohoooo.  I think it will fall off EX later this month and TU in November.  At least thats what paper reports said I pulled last month.  

     

    Now to keep working on my 57% cc utilization. EX fico 8 = 683 , TU fico 8 = 676. 

     

    Will probably look for balance txr , if they exist toward January or so.


  10. Think it's from inactivity.  Should have bought a T-shirt. Probably has been 1 year or so since last use. 

     

    Think I should hit the button to get it back? Don't really want to burn an inquiry with them. Call there customer service? Just leave alone and keep paying down debt? 

     

    My Discover CLI, +1000,last month makes it sort of a non event

     

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