2013 Credit Goals - post Yours

[qwerty4]

I thought it would be fun to have a thread where we can post or 2013 goals. It will be nice to be a to look back at it this time next year. For finances in general, I think long-term planning is very important, and credit is no exception.

 

So here goes:

1. Break the 200k total limit mark

2. Break the 30k individual card barrier

 

What are your new year credit resolutions?

[BDK]

Simple, PenFed.

[BobWang]

The Card Issuer That Shall Not Be Named.

[gemmabell86]

1) get last (seemingly impossible to remove) baddie off

 

2) car loan

 

3) mortgage by end of year

[Android01]

The Card Issuer That Shall Not Be Named.

 

You haven't done that yet, Bob? I'm surprised!

[BDK]

The Card Issuer That Shall Not Be Named.

 

What are you waiting for....

[qwerty4]

Ok I'm lost. What is this mysterious card?

[BDK]

Ok I'm lost. What is this mysterious card?

 

 

 

I tried to PM you, but your box is full?

[up&climbing]

1.) Get the last 3 baddies off early on each of my reports that are a few months shy of 7 years.

 

2.) Get my total CL's at or above $40K

 

3.) No more apps in 2013

 

4.) Scores above 730

Edited January 5, 2013 by up&climbing

[Harvey Debt]

Reduce utilization by paying down balances on Orchard, Kohls, and Jared, and also by CLI's. Approved for Clearview FCU for $500. Have 2 more to try (Amazon & Newegg) before I lay low and let things simmer down/inquiries fall off.

 

Also, mortgage. Tired of being a subject to my lord of the land.

[tifozi]

1) JLOC or DECU PLOC

2) Million miles/points

3) Fight Club research

 

Forced gardening was a great therapy. 2012 was a good rebounding year for me personally and cannot thank CB enough for everything. Never thought I'd get credit savvy but there is always room to grow and keep learning

Edited January 5, 2013 by tifozi

[Hitch]

If I had to guess BW is either waiting for the end of the month to minimize the length of time the inquiry last on EX, or waiting on a bonus offer.

 

My goals:

1. Garden

2. Try and get into to 800 club

[DeeDeePratt]

My goals for 2013:

 

1) Get my utilization down between 1-10%.

2) Get an AMEX card.

3) Get NFCU Nav Check

4) Get my credit score in the high 700s.

5) Get one more high limit credit card. (Have alot of toy cards and have NRewards card with $8,000 limit).

6) Get CLI for some of my toy cards.

 

 

Whew.....got alot of work ahead of me!!!

[Fuerza]

For Bob Wang to ask me to be an AU on my unnamed card..

 

I had too, lol.

 

I want a JPM PD card. Just for achievement sake.

[qwerty4]

Ok I'm lost. What is this mysterious card?

 

 

 

I tried to PM you, but your box is full?

Ok, fixed!

[BobWang]

If I had to guess BW is either waiting for the end of the month to minimize the length of time the inquiry last on EX, or waiting on a bonus offer.

[cashnocredit]

The Card Issuer That Shall Not Be Named.

 

I've got one more, no fee, slot on my 2011 Amex if you need to lower your AAOA.

[BobWang]

The Card Issuer That Shall Not Be Named.

 

I've got one more, no fee, slot on my 2011 Amex if you need to lower your AAOA.

 

[Duck Bills]

2013 Goals:

 

Rejoin the 700 club on all 3 CBs

 

Contine to remove baddies

 

Garden and work on CLIs, currenty at 33K up from less than 2K at the start of 2012 thanks in large part to this board

 

In December, when my BK is 5 years old PSECU 20/20 combo.

[Repairerer]

1) get last (seemingly impossible to remove) baddie off

 

This one.

[EnC_Plus3]

We have many goals for 2013 In no particular order:

 

AmEx

Discover

Chase

Mortgage

Help someone with what I've learned here

Serious CLI's and APR reductions

Removal of remaining baddies

Join DCU

Find a way to join PSECU

Find another B* puller

Make it to the 700 club

Edited January 5, 2013 by EnC_Plus3

[winner]

Remove last 2 CO from all 3 CRs

Citi forward

Penfed

AmEX BCP

DCU

AA Rewards Visa

Barclays Priceline

Mortgage.

[chugs102]

1) Gardening

2) Get off Chase's blacklist

3) Get off AMEX's blacklist, even as AU is fine

 

#2 and #3 may not be attainable (yeah yeah I've heard about the few exceptions)

[randsc]

Mortgage. 400k.

[cv91915]

1- 725+ on all three bureaus;2- US Bank 5%/2% card;3- $60,000 in revolving credit;4- Unsecure my CU credit card and invest the $13,000 proceeds in anything except the sh!tty savings account where it's getting moldy now.