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Posts: 15,340
Registered: ‎10-07-2014

Garden Club - August 2017

[ Edited ]
Welcome, Garden Club Members!

 

 

 

Welcome all new GCers, returning GCers and old timers to our little island of "No Credit Applications". 


What is gardening? Quite simply, it involves refraining from applying for new credit or seeking CLIs that require hard pulls. Soft pulls CLIs, however, are not only acceptable, but are encouraged. The idea is to allow one's current trade lines to grow and mature, waiting for inquiries to age or fall off, and possibly waiting for "baddies" to be removed/age off. During this time, one tends to one's current accounts and watches their AAoA grow and the new credit ding fade. Here we socialize, commiserate and support each other while waiting for baddies to fall off, new accounts and/or inq's age or just want a place to hang out to get away from the hustle and bustle of credit card talk.

So, if you're at the stage of your credit journey where you're ready to enter the garden, please come and join us. You may pick up your complimentary watering can and garden gloves by the front door -- you can even choose your favorite color! We're proud to offer a well appointed clubhouse. There is a snack table set up. You'll always find camaraderie available here as you work towards your gardening goals.

 

Help yourself to our drinks and appetizers. Flat-breads, sliders, pizza, buffalo wings, grilled zucchini, kale salads, pecan and apple pie à la mode. There's also a nice selection of cold beers. Once again, please feel free to bring anything you'd like to add to the festivities. And, in the corner diagonally across from the front door, there is a fully stocked bar, along with a wide selection of soft drinks. If needed, there are some anti-itch medications stocked in our supply cabinet near the door -- Lanacaine, Benadryl, etc. If you need to place your reports in the deep freeze, we also have a freezer, located next to the bar, so go ahead and throw your reports in!

So come on in and make yourself comfortable. Make a gardening plan and commit to sticking with it! Are you planning to wait six months before applying for additional credit? A year? Until the last of your baddies drop off? Whatever your goal, we're here to support you. If you feel the "app-itch" coming on, let us know and we'll try to help you through it.

Now, if you happen to leave the garden prematurely, that's your decision and we respect that. You are always welcome to come back, pick up your gardening tools and start over again. But please, celebrate any approvals and the discussion of which credit card to app for on another thread. While we are happy with members’ success stories, we really do want to keep this threads focus and tone to be consistent with gardening efforts. You are certainly welcome to celebrate SP CLIs in this thread, as they do not involve inq's or apps for new credit.

 

GARDEN CLUB CHALLENGE AND RECOGNITIONS:


Garden Club Challenge: Pick a firm date for staying in the garden and post it in your siggy!
Garden Club recognition levels: To qualify, your reports must contain:
No new tradelines of any type on one's accounts (this includes any backdated account, as they are STILL new "seedlings").
No HPs for anything that would allow for the possibility of a new tradeline being issued or increasing the CL of an existing tradeline.

*The Garden Club community recognizes that certain inquiries are necessary for factors beyond those listed above. Therefore, Hard Pulls/Inquiries for the following bona fide reasons are exempt but not limited to: Opening checking/savings accounts (so long as no line of credit is being opened in addition to these accounts), Employment Applications, Apartment Rentals, Utilities and other such services. These are not considered to be applications for credit per se. Also, for those who are seeking a new mortgage or refinancing an existing one, we understand that your lender will pull your CRs multiple times before closing. For those GC'ers, the first hp will set your clock, not the subsequent pulls. However, if you are simply rate shopping, then the normal hp rules apply.

You will be able to add the following to your siggy if you have been abiding by the above for the following time periods...

 

Less than 1 month - seedling
1 month - bronze spade
3 months - silver spade
6 months - gold spade
9 months - palladium spade
12 months - platinum spade
15 months - ruby spade
18 months - emerald spade
21 months - sapphire spade
24 months or more - diamond spade

 

Please note: recognition levels reset once you add an account or incur a HP. We recognize that there may be very good reasons for "leaving the garden," and we respect whatever thoughtful decisions members make. As stated previously, members are always welcome to come back, grab their gloves and start gardening once more.

 


To ensure that your graphic comes out properly on your siggy, please be certain that it has been added as the very first line of code.

Seedling: 

 

<img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/2760iB9166C1A493A3CBC" title="Seedling Garden Club Member" border="0" width="50" height="67" align="right">

 Bronze: 

 

<img src="http://i.imgur.com/LEYWe.png" border="0" title="Bronze Garden Club Member" width="40" height="40" align="right">

 SIlver: 

 

<img src="http://i.imgur.com/Gfc4B.png" border="0" title="Silver Garden Club Member" width="40" height="40" align="right">

 Gold: 

 

<img src="http://i.imgur.com/24xvV.png" border="0" title="Gold Garden Club Member" width="40" height="40" align="right">

 Palladium: 

 

<img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/5761iE36E284CEECEA414" title="Palladium Garden Club Member" border="0" width="40" height="40" align="right">

 Platinum: 

 

<img src="http://i.imgur.com/vVRv5.png" border="0" alt="" title="Platinum Garden Club Member" width="120" height="80" align="right" />

 Ruby: 

 

<img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/5625i09098E9833D7A4B2" border="0" title="Ruby Garden Club Member" width="40" height="40" align="right">

 Emerald: 

 

<img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/5623i698C4BF1F9D77284" border="0" width="40" title="Emerald Garden Club Member" height="40" align="right">

 Sapphire

 

<img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/5627iA714E0C3C98AD3FD" border="0" width="40" title="Sapphire Garden Club Member" height="40" align="right">

 Diamond

 

<img src="http://i.imgur.com/40nIa.png" border="0" alt="" title="Diamond Garden Club Member" width="40" height="40" align="right" />

  

So, please feel free to come on in and share your gardening progress. If you're new or returning, what are your goals? If you've been here for a while, how are things going? Let's all mingle, and support each other in our respective gardening efforts!


Just a reminder, if you are new to the forum, you may not be able to add your seedling to your profile. Send any mod a PM and we'll add it for you :smileywink: You can also use the "Report Inappropriate Content" function on the post to notify a Moderator, but indicate that you need __________ spade. (seedling, bronze, etc.)

Community Leader
Senior Contributor
Posts: 6,485
Registered: ‎08-04-2014

Re: Garden Club - August 2017

I'm here!
Gardening since xx/xx/xx Gardenversary xx/xx/xx Score: 08/21/17 EQ 781 TU 784 EXP 789
Current Score: 781
Goal Score: 800
Take the myFICO Fitness Challenge
Valued Contributor
Posts: 1,794
Registered: ‎06-13-2016

Re: Garden Club - August 2017

Checking in for August!

 

Committed to the garden, and letting my accounts age and grow. Looking forward to staying planted for a while! 

 

Garden strong everyone! Smiley Happy

Current Scores------ EQ 681; TU 652; EX 689 FICO 08---------------- Gardening until "Winter is Over"
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge
Community Leader
Senior Contributor
Posts: 6,485
Registered: ‎08-04-2014

Re: Garden Club - August 2017


Bella007 wrote:

Checking in for August!

 

Committed to the garden, and letting my accounts age and grow. Looking forward to staying planted for a while! 

 

Garden strong everyone! Smiley Happy


I know you can do it Bella!Smiley Happy

Gardening since xx/xx/xx Gardenversary xx/xx/xx Score: 08/21/17 EQ 781 TU 784 EXP 789
Current Score: 781
Goal Score: 800
Take the myFICO Fitness Challenge
Valued Contributor
Posts: 1,794
Registered: ‎06-13-2016

Re: Garden Club - August 2017

[ Edited ]

Thanks, Anusara!

 

Hey, where's the gang? All asleep in their beds?

 

Heeeeey yoooooou guuuuuuuys! Smiley Very Happy

Current Scores------ EQ 681; TU 652; EX 689 FICO 08---------------- Gardening until "Winter is Over"
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge
Community Leader
Senior Contributor
Posts: 6,485
Registered: ‎08-04-2014

Re: Garden Club - August 2017


Bella007 wrote:

Thanks, Anusara!

 

Hey, where's the gang? All asleep in their beds?

 

Heeeeey yoooooou guuuuuuuys! Smiley Very Happy


You're welcome Bella.Smiley Happy

 

I was thinking the same thing. I expected a stampede especially after AvgJoe offered free tickets to the winner.Smiley Tongue

 

As usual the girls did their thing. The fellas couldn't hang!Smiley Wink

Gardening since xx/xx/xx Gardenversary xx/xx/xx Score: 08/21/17 EQ 781 TU 784 EXP 789
Current Score: 781
Goal Score: 800
Take the myFICO Fitness Challenge
Super Contributor
Posts: 14,066
Registered: ‎01-04-2014

Re: Garden Club - August 2017

Checking in for August.

 

No spree at all on the ticker the rest of the year BUT if something is promising to help make better adjustments then this stay could be shorter than the last one which lasted from January until just last week which is a milestone in this camp.

 

Would like to add a Chase Card to pair with the Freedom but am so on the fence over that and have been for many months. I keep passing up those Your Offers with the green checkmark mainly because they are double pullers for me and i managed to really slice INQ's all the way down to bare bones now. And i like to keep it that way.

 

NFCU is been a shining light as well as Capital One these past few weeks in tweaking with first a nice SP CLI followed up with a C1 Combo that allowed to close a high APR card with them.

 

So, in short CM7 is towing the line until something makes it worthwhile to do otherwise.

 

Garden Long and Stay Strong Smiley Happy

 

 

Last App-Jan 26* It's All In The Magic Of Your Own Destiny * FICO TU 769 EQ 723 EX 777
Valued Contributor
Posts: 1,083
Registered: ‎02-23-2015

Re: Garden Club - August 2017

Yay still gardening! This month I earned the emerald! Smiley Very Happy

Gardening until September 2018
Next app: Mortgage in September 2018
Super Contributor
Posts: 14,066
Registered: ‎01-04-2014

Re: Garden Club - August 2017

OMG, that does look like a gemstone where some real effort was put into buckling down hard.

 

Huge Congratulations on pressing ahead strong and firm in your efforts to shine that profile up very nicely Smiley Happy

Last App-Jan 26* It's All In The Magic Of Your Own Destiny * FICO TU 769 EQ 723 EX 777
Regular Contributor
Posts: 126
Registered: ‎02-26-2016

Re: Garden Club - August 2017

Still here!

In the garden as of 6/9/2016.

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