Vattené wrote:kdm31091 wrote:So what are everyone's goals for 2016 in credit? I am hoping to pretty much garden and let my inquiries age/fall off, unless something really amazing comes out but I kind of doubt it considering most recent "new cards" have not been all that exciting (to me anyway). I also plan to close a few cards to try and pare down. I have too many for my spend level.
I have financial goals for 2016, but for the first time in a while I really don't have any credit goals. I'd like to get my score into the 800s, but I realize that's an arbitrary benchmark that won't benefit me in any real way. I suspect some store accounts will be closed for inactivity, but I'm leaving all that up to the lenders. It'll happen when it happens.
OMG but you are gonna get a "Closed by Lender" notation on your report - which will ruin everything! EVERYTHING, do you hear me, EVERYTHING!!!!
My goals in 2016 are to maybe do a few goodwill letters for the last couple of lates to fall off early, keep taking the best possible advantage of my existing rewards, and stay away from any unnecessary credit applications. I suspect that will mean no apps at all, which is all the better as my reports should be free of inquiries then by the time I go hunting for my Tesla in 2017.