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What's your Master plan for 2015?


funkiehouse
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2014 was devastating. So, 2015 is a year to put the pieces together. Fico scores are 594, 596, 571. I'm going to aggressively catch up delinquencies, pay off debt, maintain the good accounts I do have. Build some savings. Maybe a mortgage in the first half of 2016. Maybe.

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2014 was devastating. So, 2015 is a year to put the pieces together. Fico scores are 594, 596, 571. I'm going to aggressively catch up delinquencies, pay off debt, maintain the good accounts I do have. Build some savings. Maybe a mortgage in the first half of 2016. Maybe.

 

It think it's great that you've been bitten by the credit bug. :)

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2014 was devastating. So, 2015 is a year to put the pieces together. Fico scores are 594, 596, 571. I'm going to aggressively catch up delinquencies, pay off debt, maintain the good accounts I do have. Build some savings. Maybe a mortgage in the first half of 2016. Maybe.

It think it's great that you've been bitten by the credit bug. :)

I think it's more like getting kicked by the school of hard knocks. I still would rather just curl up on the couch & tell all my creditors to FOAD. Edited by dansamy
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I'm finally moving into prime territory after a lot of work. Ended 2014, with a Discover IT. Started 2015 with approvals from Citi and BOA and a good sized CLI from Barclays.

 

My TU was clean as of last year, working on getting the EQ clean - the last two baddies are in early obsolete frame (will fall off completely come summer), I keep disputing them hoping to get them off early. EX has a few additional baddies that seem stuck like glue - at some point I'm going to work cleaning that up this year the best I can but a lot will also start to age off there as well.

 

I'm at the point now where there's only two more cards I actually want Chase and Amex. I may cull the herd a little this summer/fall for those who won't give me CLIs (Target - looking at you) but I'm pretty much in the garden now trying to get my limits to $10K+ on my major cards and bump up any store cards as much as possible.

 

My utilization is pretty low (under 10%) even without the new stuff reporting so I don't have that to worry about. I pretty much just need to let stuff age a bit and work on those last few baddies on EX

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My goals this year are pretty much garden and continue to build my relationships with the financial institutions I already have and by the end of the year I want to be a home owner. So far this year I have a clean TU report, I am hoping my EX dispute gets the last bad off this month and EQ will be clean by June. So far this year I have doubled my Citi CL from $1500 to $3000, Barclay Sallie Mae went from $3800 to $6800 and Victoria Secrets from $400 to $900 (GF uses this card, not me) and all of this without a hard pull. I want to get a revolver from AMEX to go with my charge and will wait until my reports are clean to do that. I always stay sub 3% utilization but I do want to get my spending down and put more in the savings account in anticipation of a home loan.

 

All of this would not been possible without the hours upon hours of reading here in CB.

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Paying off my existing CC debt while trying to avoid Fees & interest.

 

Get appropriate rewards points cards & use them for my monthly spend. Convince DW to do the same as either an AU, or with her own cards.

 

Use rewards points to pay for a vacation & use the money I would have spent on vacation to pay down my debt even faster.

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