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Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Garden Club Meeting - August 2012

[ Edited ]

Greetings, fellow credit gardeners! The summer is rolling along and we're ready to start a new month. And so, I hereby convene the August meeting of the myFICO Garden Club.

For those who are new to the concept of gardening, 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 TLs to grow and mature, waiting for inqs to age or fall off, and possibly waiting for "baddies" to be removed or age off. During this time, one tends to one's current accounts and watches their AAoA grow and the new credit ding fade.

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. We have a full featured gass grill, so burgers, hot dogs, and kebobs are available for your dining pleasure! We continue our summer menu with fresh corn on the cob, and we're adding a mixed seafood platter -- steamed little neck clams, steamed crab legs, a chilled shrimp ring with cocktail sauce, and mini crab cakes and conch fritters with remoulade sauce for dipping! There's iced tea, lemonade and sodas, and if you like, a variety of ice cold beers. We'll continue chilling out this summer with a variety of frozen ice cream treats and gelatos, as well as slices of cold, fresh watermelon. And as always, we have a selection of mini-quiches, as Relevate really likes them. Please feel free to bring and add any items that you'd like. And, in the corner diagonally across from the front door, there is a fully stocked bar. If needed, there are some anti-itch medications stocked in our supply cabinet near the door -- Lanacaine, Benedryl, 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! 

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 on another thread. While we are happy with members’ success stories, we really do want to keep this thread’s focus and tone to be consistent with gardening efforts.  You are certainly welcome to celebrate soft CLIs on this thread, though, as they do not involve inqs 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 backdated Amex accounts, 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.

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

 

1 month - bronze spade

3 months - silver spade

6 months - gold spade

12 months  - platinum 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.

 

I'd like to express my appreciation to DaveSignal for coming up with some spade graphics that you can embed in your siggy in order to display your status. Thanks, DS -- great job!!!

 

Bronze:

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

 

 SIlver: 

line to put at top of sig: 

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

 

Gold: 

line to put at top of sig: 

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

 

Platinum: 

line to put at top of sig:

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

Diamond:

line to put at top of sig:

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

 

 

So, how's everyone's garden doing this month? Please feel free to mix and mingle, and share your gardening goals as well as your progress on the journey.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Established Contributor
CruzImperial
Posts: 867
Registered: ‎07-04-2012
0

Re: Garden Club Meeting - August 2012

I´m reporting to the monthly meeting here. I went on an app spree last month and got 9/9 cards. I am currently gardening till August 2013 and hoping the day my SSN meets an app comes when expected. I am unsure of whether or not I am going to be able to reach my score goals in this time frame but I will certainly do my best to keep my util low and keep using only what I need.

 

1st month newbie recruit here.

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Valued Contributor
visorboy1974
Posts: 1,132
Registered: ‎05-17-2010
0

Re: Garden Club Meeting - August 2012

No apps since December 2011.  

 

Current stable is: 

 

UIECU UIAA Rewards Visa $24.2K

PSECU PSL/Visa $20K

Alliant Platinum Rewards Visa $17K

Barclaycard Rewards Platinum MC $10K

Nordstrom Visa Signature $8K

State Farm Platinum Rewards Visa $3K

Dell Preferred $3K

Macy's Red Card $2.5K

 

 

 

Frequent Contributor
CreditChampion
Posts: 267
Registered: ‎03-15-2012
0

Re: Garden Club Meeting - August 2012

Still in the Garden prob will go for PennFed and Fidelity Amex, and perhaps Amex BCE next year
Fico Scores: 763 EQ(12/11/12) 768 TU(12/11/12) ? EX(TBD)
Citi Double Cash 10K PenFed Plat Rewards 8.5K Citi Forward $7.1K AMEX BCE 6K AMEX Zync NPSL(AU) Discover it 5K Wells Fargo Cash Back $2.3K BankAmericard Better Balance $700 Chase Freedom $500 Capital One Quicksilver $6K Capital One Platinum (AU) $500 Capital One Secured Card (AU) $251(Closed)
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - August 2012

[ Edited ]

Still hanging in there, holding onto my gold spade. As I mentioned last month, I had a CA and CO age off my reports. I'm just waiting for the last CO to fall off my reports this month, and then I'll be CO/CA free! It's been a long wait, but it feels so good to see light at the end of the tunnel. I'm feeling optimistic that this fall I'll be in good shape to app for the cards that I would like to add to my wallet. After then it will be back to the garden, to let the aging process start over once again! :smileyhappy:

 

(ETA) Current view of my garden:

 

Cap1 Visa Platinum - 6400 CL

Cap1 NHCR MC - 750 CL

Dillard's Amex - 4200 CL

JC Penney - 2300 CL

Kay Jewelers - 5100 CL

Amex Green - NPSL


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Established Contributor
BrokaToe
Posts: 726
Registered: ‎05-12-2012
0

Re: Garden Club Meeting - August 2012

[ Edited ]

Woo-Hoo, can't believe it's another month of Gardening already!  Keep up the good work everyone.  I'm bringing some Roasted jalapenos stuffed with cream cheese and wrapped in bacon!


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Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012
0

Re: Garden Club Meeting - August 2012

Hey Everyone,

 

I’ve resumed gardening with a vengeance now, as my PenFed auto refinance was approved and I also got hit with the (expected, but not happy about it) inquiry for my last student loan.  Hopefully the rest of the year will be kind to me score wise – would love to hit my year end goal of 720 scores. :smileyhappy:

 

Can’t wait until 8/19 to pick up my bronze spade.

 


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Valued Contributor
injustifiiable
Posts: 1,862
Registered: ‎03-30-2012
0

Re: Garden Club Meeting - August 2012

Hello all...still here.

 

I have the itch to app for Discover after seeing what score bump I can get with reported UTIL down. I'm trying to get one card above $500...$1,000 would be better of course. My EQ score is 668 right now...seems like I could get a nice boost if UTIL gets under 30%...

 

I also plan on asking for a CLI on my Household card since it'll be six months old...

Scores 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

In my new wallet: American Express Premier Rewards Gold EMV: NPSL | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $400 | J.Crew $5950
Established Contributor
Smug
Posts: 961
Registered: ‎12-21-2010
0

Re: Garden Club Meeting - August 2012

[ Edited ]
Well closed a few cards kohls is closed but still shows and 9K in CLI are not showing yet. Photobucket Pictures, Images and Photos
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Established Contributor
Smug
Posts: 961
Registered: ‎12-21-2010
0

Re: Garden Club Meeting - August 2012

Weeding my garden, only the healthiest plants survive!
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!

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