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Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
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Garden Club Meeting - February 2013

Greetings, fellow credit gardeners! The new month begins tomorrow, but I'm beginning the thread a little early. I usually like to start the night before the first of the month, but I'm sick with cold/flu symptoms and don't know how I'll be feeling later. Best to get things kicked off while I'm still reasonably clear-headed. And so, I hereby convene the February meeting of the myFICO Garden Club. :smileyhappy:

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. This month I've set out an assortment of tailgaiting foods, including hot buffalo wings, sweet sesame wings, several pizza pies with various toppings, a large club sandwich ring, and a variety of chips/salsa/dips. And as always, we have mini-quiches (enjoy, Relevate!). There's also a nice selection of cold beers. Once again, please feel free to bring and add anything that 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, 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...

 

Less than 1 month - seedling

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.

 

Seedling:

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

 

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, 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!


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
Posts: 567
Registered: ‎09-10-2012
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Re: Garden Club Meeting - February 2013

[ Edited ]

First :smileyvery-happy: Achieved all my goals in January for the time being. Let those seedlings grow.

 

Btw. it is still January :smileyhappy: but ... who cares. Get well soon. All the best tinuviel.


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (12,700) | Chase Freedom (6,300) | Walmart (4,500) | CapOne (4.000) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 758 (10/12) EQ 724 (10/22) EX 748 (12/5)

Regular Contributor
Posts: 114
Registered: ‎08-29-2012
0

Re: Garden Club Meeting - February 2013

No more apps ever! My next step is Mortgage land in 2015! Let the journey begin!


Wallet: Capital One Platinum - $2000, Amazon - $3000, Walmart - $3000, Discover It - $1000, Chase Freedom - $3000
Current Score: TU98: 678 - 2/2012, Walmart TU - 672 2/2013, Equifax 713 - 1/2013
Goal Score: 700 for all three.
GC Challenge: App free since 1/2013. No more apps! 2015 for mortgage!
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - February 2013

[ Edited ]

shakalaka wrote:

First :smileyvery-happy: Achieved all my goals in January for the time being. Let those seedlings grow.

 

Btw. it is still January :smileyhappy:


Congrats! Achieving goals is great! :smileyhappy:

 

And yes, I know it's still January. As I mentioned in the opening paragraph, I'm starting the thread early because I'm sick and want to get it up while I still have the strength to be coherent. Thanks for the well-wishes.


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
Posts: 567
Registered: ‎09-10-2012
0

Re: Garden Club Meeting - February 2013

[ Edited ]

tinuviel wrote:

shakalaka wrote:

First :smileyvery-happy: Achieved all my goals in January for the time being. Let those seedlings grow.

 

Btw. it is still January :smileyhappy:


Congrats! Achieving goals is great! :smileyhappy:

 

And yes, I know it's still January. As I mentioned in the opening paragraph, I'm starting the thread early because I'm sick and want to get it up while I still have the strength to be coherent.


Thanks,

 

I already did edit my post. :smileyhappy: Get well soon.


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (12,700) | Chase Freedom (6,300) | Walmart (4,500) | CapOne (4.000) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 758 (10/12) EQ 724 (10/22) EX 748 (12/5)

New Member
Posts: 3
Registered: ‎12-12-2012
0

Re: Garden Club Meeting - February 2013

This is my first post, although I've been perusing the forums for weeks.  My last app was 1/12 and I don't plan on applying for anything for 6 months to a year.  Excited to be gardening!

Capital One ($500) - Orchard Bank ($300) - Chase Freedom ($4,000)
Chase Amazon ($3,000) - Barclay Arrival MC ($5,500) - Amex Hilton Honors ($5,000)
Valued Contributor
Posts: 1,951
Registered: ‎08-13-2007
0

Re: Garden Club Meeting - February 2013

I picked up a new RF Moeller card this month. Issued by Wells Fargo. My wife wants a new Rolex...

 

So, we will get her one and use the 12 month 0 interest promo. I should state that we have the cash in savings to pay for her new watch. I just like to use the banks money...  :smileyhappy:

 

Otherwise, I have and will continue to "prune" and garden.

Ray

** Every Card has a Job, and Every Card does its Job **

Moderator
Posts: 27,123
Registered: ‎09-13-2012
0

Re: Garden Club Meeting - February 2013

I plan to stay in the garden for the next 2 months and let my CL' s grow. I have a few inq's that will fall off in March and I will be ready for an app spree in April.  My app spree from the fall will have settled some and my holiday util will be down to <9% (Assuming no GE inspired CLIs :smileywink: ). 

 

Tinuviel:  Get well soon.  That flu can be a beast to get over. 

Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
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Re: Garden Club Meeting - February 2013


youngchick27 wrote:

This is my first post, although I've been perusing the forums for weeks.  My last app was 1/12 and I don't plan on applying for anything for 6 months to a year.  Excited to be gardening!


Welcome to both the forums and the Garden Club! Happy to have your here! :smileyhappy:


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
Posts: 761
Registered: ‎10-16-2007
0

Re: Garden Club Meeting - February 2013

[ Edited ]

Okay got all the cards I need, really nothing out there that says I got to have it right now. Starting right now I am in the garden for a min of a year than I will take another look from there

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1

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