Veruca Report 2016

Money...it's a gas
Grab that cash with both hands and make a stash

Money - Pink Floyd

Major Credit Cards:

BankAmericard Cash Rewards VISA
Credit Limit: $10,000
Opened 8/11
Current Balance: $477.18
APR: 17.24%
Annual Fee: $39

Fairwinds Credit Union Platinum Rewards VISA
Credit Limit: $5,000
Opened 3/12
Current Balance: $0
APR: 18.00

Chase Amazon.com VISA Rewards Card
Credit Limit: $2,000
Opened: 6/12
Current Balance: $41.64
APR: 21.49%

DISCOVER Card
Credit Limit: $11,500
Opened: 9/12
Current Balance: $1,798
0% BT rate ending 12/2017
APR: 23.24%

Citi Simplicity Card VISA
Credit Limit: $5,800
Opened 12/12
Current Balance: $0
APR: 17.24%

Citi Double Cash Rewards MASTERCARD
Credit Limit: $5,700
Opened: 11/14
Current Balance: $0
APR: 19.24%

First National Bank of Omaha AMERICAN EXPRESS
Credit limit: $5,500
Opened 12/12
Current Balance: $0
APR: 16.24%

Barclay Bank Choice Rewards VISA
Credit Limit: $10,000
Opened: 2/14
Current Balance: $0
APR: 20.24%

AMERICAN EXPRESS Blue Cash Everyday
Credit Limit: $12,500
Opened: 10/15
Current Balance: $569.73
APR: 13.24%

Walmart MASTERCARD
Credit Limit: $8,000
Opened: 10/15 as MC
Current Balance: $0
APR: 23.15%




Merchant Lines of Credit:

Dell Financial Services
Credit Limit: $3,000
Opened 11/11
Current Balance: $0
APR: 0% if paid in 12 months.




Credit Utilization:

Total Credit Line: $79,000
Total Credit Debt: $2,886.55
Credit Utilization: 4%

Credit Scores:

TU FICO: 714, EQ FICO 722, EX FICO 718, EX Bankcard Score FICO 731
Credit Karma: TU: 788, EQ: 804

Assets:

2013 Chevrolet Spark, 14,850 miles, Cond. Very Good
Kelley Blue Book Trade-In Value:$5,000

Investments:

OneAmerica 403b: $20,816.55

Savings:

Fairwinds Credit Union @ .05% APY: $300.14
Discover Bank @ .95% APY: $2,752.75
Total Savings (as of 12/5): $3,052.89