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Garden Club - December 2017

Moderator

Garden Club - December 2017

bow.png    Welcome Garden Club Members!    bow.png

 

 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 pull 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 (average age of accounts) 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 inquiries to age or if we 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 inquiries 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 credit reports 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 add the code, click 'My Settings', then 'Personal Information', then paste the code into the 'Signature' box.  When you're finished, be sure to click 'Save' at the bottom of the page! 


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: seedling-transparent.png

 

<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: palladium.png

 

<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: ruby.png

 

<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: emerald.png

 

<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">

 Sapphiresaphire.png

 

<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 moderator a PM and we'll add it for you.  Smiley Wink 

 

You can also use the "Report Inappropriate Content" function on any post to notify a moderator; be sure to indicate that you need __________ spade. (seedling, bronze, etc.)

 

Message 1 of 2,046
2,045 REPLIES
Valued Contributor

Re: Garden Club - December 2017

Yes! Sorry....I got really excited at being first 🤣

This officially starts my 1 year countdown for BK removal via EE with TU, a few months later EX and finally EQ. 

FREEDOM!!!

Not much else really happening, tons of shredder feed from Sync, Comenity and Credit One and the subprime family. I did get a new one from Sync @ CheapOAir and Credit One sent me a 20.49% APR with $49 AF. I’m passing 😂

I do have some sp CLI increases coming up (yay)! Helps me with NOT jumping the fence. 

 

Last but not least, I wish all you MF’rs a joyous and happy holiday. Don’t let Santa run up your utility 🎄

BK 5-2012 Revolving Rebuild Started 6-2016
AMEX ED, Delta & SPG | BOA CR | PenFed PR & CR | NFCU FS | Discover IT | Cap1 QS & VENTURE | LOWES | Barclays AVIATOR

Message 2 of 2,046
Valued Contributor

Re: Garden Club - December 2017

God, the year can't already be almost over.....

FICO 08 Scores (Oct-17): TU 810, EQ 813, EX 813

Message 3 of 2,046
Established Contributor

Re: Garden Club - December 2017

 Whoo hoo!o! December Garden time!!

Gardening until June 2018

Starting FICOs: EX 623, EQ 589, TU 600 (06/10/17)
Current FICOs: EX 696, EQ 668, TU 678 (12/08/17)
1st Goal FICOs: EX 750, EQ 750, TU 750 (??/??/??)
Message 4 of 2,046
Community Leader
Valued Contributor

Re: Garden Club - December 2017

45 days in the garden. Halfway to my next spade! Happy December and good luck with your goals everyone!
(Woohoo I haven’t been page one in a while! Big kudos to @UncleB for starting the thread perfectly on time for us East Coasters!)


$500k+ club. | FICO 08 [Nov 2017]: EQ 743 EX 741 TU 743 | World's worst gardener.
Message 5 of 2,046
Moderator

Re: Garden Club - December 2017

Happy December, everybody!  wavey_zps81xnuobx.gif 

 

I've got my 'lump of coal' loaded into my avatar for the month... LOL!   smiley-laughing021.gif

Message 6 of 2,046
Established Contributor

Re: Garden Club - December 2017


simplynoir wrote:

God, the year can't already be almost over.....


It's not January yet?!?! Darn. 

Gardening until June 2018

Starting FICOs: EX 623, EQ 589, TU 600 (06/10/17)
Current FICOs: EX 696, EQ 668, TU 678 (12/08/17)
1st Goal FICOs: EX 750, EQ 750, TU 750 (??/??/??)
Message 7 of 2,046
Valued Contributor

Re: Garden Club - December 2017

Still gardening! Looking forward to my diamond gem in February. My scores took a slight hit because of holiday shopping, but should be back to normal by New Years, still inching toward 800 club!

Gardening until September 2018
Next app: Mortgage in September 2018
Message 8 of 2,046
Senior Contributor

Re: Garden Club - December 2017

Good night everyon

 

7D8A9539-F985-4632-B3B9-2D476A2C6A91.jpeg

When you help yourself, you feel good. But when you help somebody else get back on their feet, it’s a high that no chemical drug can ever match. It’s the greatest high in the world. It’s addictive, it’s contagious, and the world needs more of it.

Message 9 of 2,046
Established Contributor

Re: Garden Club - December 2017


UncleB wrote:

Happy December, everybody!  wavey_zps81xnuobx.gif 

 

I've got my 'lump of coal' loaded into my avatar for the month... LOL!   smiley-laughing021.gif


I've been trying to figure that out, totally makes sense now! 👍👍

Gardening until June 2018

Starting FICOs: EX 623, EQ 589, TU 600 (06/10/17)
Current FICOs: EX 696, EQ 668, TU 678 (12/08/17)
1st Goal FICOs: EX 750, EQ 750, TU 750 (??/??/??)
Message 10 of 2,046