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09Lexie
Posts: 26,618
Registered: ‎09-13-2012
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Garden Club Meeting - July 2014

[ Edited ]

Woohoo!  I love the summer months.  Travel, stay-cations, picnics etc!  Perfect time to let those inq and new tls age, while pushing the luv button on sp cli's.  If you have a few baddies hanging around, there is no time like the hot months of summer to shed a few baddies. 


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 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.  July is a wonderful month - summer is just starting and it's a perfect month for enjoying great food.  I can smell the bar-b-que, there is fresh, there's a bobbing station set-up for crisp red apples, corn on the cob, baked beans, pasta salad, hot dogs, hamburgers and funnel cake!  And as always, we have mini-quiches (enjoy, Relevate!). There's also a nice selection of cold beers and my new favorite, Lemon Drop Martini's. 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!


Our club features a Friday night social. This will be hosted by myjourney, who has done such a wonderful job with managing the buffet and bar. He will present a mouthwatering dinner menu (with graphics!) and announce a discussion topic. Everyone is welcome to hang out and either discuss the topic or anything else that comes to mind. Feel free to let kick up your heels for the evening! The goal of the Friday night social is to enjoy getting to know each other and share in some fun. I'd also like to give thanks to Lexie09 for providing hospitality and help to members both old and new. You'll always find comraderie available here as you work towards your gardening goals.

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. We even have and Emergency Response Team (ERT) available to step in and help keep you on track!

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.

*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.

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

 

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


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

 

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

 


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

 

 

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

 

 

Emerald:

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

 

 

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

 


Diamond:
<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!

 

 

Moderator
Kenny
Posts: 6,392
Registered: ‎01-15-2009
0

Re: Garden Club Meeting - July 2014

Happy July everyone! Tomorrow, I get me a new spade! :smileyhappy: Silver, here I come!
Starting Score: EQ04: 748 (1/31/14) - TU08: 755 (1/06/14)
Current Score:EX08:778(12/04) - EQ04:770(10/31) - EQ08:791(12/05) - TU08:798(12/05)
Goal Score: 800+
Regular Contributor
Cookie2120987
Posts: 144
Registered: ‎03-07-2014
0

Re: Garden Club Meeting - July 2014


KennyRS wrote:
Happy July everyone! Tomorrow, I get me a new spade! :smileyhappy: Silver, here I come!

Good morning! well early morning!

 

Congrats! Did you count down the weeks and days? Lol

 

3 more weeks till I can graduate! Will make it my second longest  garden yet! The Garden Club is definitely a vital tool :smileyhappy:

 

 

Current cards. Capitol One: QuickSlver One $3,500 and $300 (AU) Capitol one secured $520 and $200 (AU) Élan Finicial $2,000 And $2,000 (Joint) Walmart $600 Amazon Store Card $600 Gamestop Credit Card $550 total credit $10,270 started at $200 12/1/2013 :smileyhappy:
Starting score 2/18/2013 486 Current scores, MyFico 9/21/2014 Equifax 634 Transunion 643 Experian 641
Frequent Contributor
14Fiesta
Posts: 487
Registered: ‎04-02-2014
0

Re: Garden Club Meeting - July 2014


KennyRS wrote:
Happy July everyone! Tomorrow, I get me a new spade! :smileyhappy: Silver, here I come!

Congrats. I escaped the garden when no one was looking so I am now reset back to a seedling, but DANG was it worth it! My new goal is another 6 months so I can try pick up a Chase Freedom at 1 year.






EX FICO: 742 (7/1/14) | TU FICO (Discover): 716 (12/7/14) | EQ FICO: 711 (12/10/14)
Moderator
Kenny
Posts: 6,392
Registered: ‎01-15-2009
0

Re: Garden Club Meeting - July 2014


14Fiesta wrote:

KennyRS wrote:
Happy July everyone! Tomorrow, I get me a new spade! :smileyhappy: Silver, here I come!

Congrats. I escaped the garden when no one was looking so I am now reset back to a seedling, but DANG was it worth it! My new goal is another 6 months so I can try pick up a Chase Freedom at 1 year.


Congrats on your new Amex! :smileywink: 

Starting Score: EQ04: 748 (1/31/14) - TU08: 755 (1/06/14)
Current Score:EX08:778(12/04) - EQ04:770(10/31) - EQ08:791(12/05) - TU08:798(12/05)
Goal Score: 800+
Moderator
Kenny
Posts: 6,392
Registered: ‎01-15-2009
0

Re: Garden Club Meeting - July 2014


Cookie2120987 wrote:

KennyRS wrote:
Happy July everyone! Tomorrow, I get me a new spade! :smileyhappy: Silver, here I come!

Good morning! well early morning!

 

Congrats! Did you count down the weeks and days? Lol

 

3 more weeks till I can graduate! Will make it my second longest  garden yet! The Garden Club is definitely a vital tool :smileyhappy:

 

 


Haha! At first, I was like "I'm so proud! I've made a week!" haha. Now, I'm good you've almost made 3 months. Now you need to see this through at least 6 months to 1 year. At least is what I'm telling myself. I do see a January 1st app happening though. Amex, I'm sure. lol... I can't help myself when it comes to maximum backdating. :smileyvery-happy:

Starting Score: EQ04: 748 (1/31/14) - TU08: 755 (1/06/14)
Current Score:EX08:778(12/04) - EQ04:770(10/31) - EQ08:791(12/05) - TU08:798(12/05)
Goal Score: 800+
Valued Member
kellymar
Posts: 41
Registered: ‎02-10-2008
0

Re: Garden Club Meeting - July 2014

Hello everyone. Hope you're all staying strong. I'm still hanging in there. I was very tempted to sneak out of the garden late one night and app for the Barclay card after receiving a "Congratulations" message on their preapproval site, but I resisted. It was the first time I had received that message, so I thought, "This gardening stuff must be working!" Then I closed my laptop. I think I need to claim my bronze spade!

Nov. 2013 FICO scores: EQ 565 | EX 536 | TU 539
October 2014 FICO Scores: EQ 635 EX 639 | TU 667
Goal: 700s across the board and a Chase SW Visa!
Gardening indefinitely
Moderator
Kenny
Posts: 6,392
Registered: ‎01-15-2009
0

Re: Garden Club Meeting - July 2014


kellymar wrote:

Hello everyone. Hope you're all staying strong. I'm still hanging in there. I was very tempted to sneak out of the garden late one night and app for the Barclay card after receiving a "Congratulations" message on their preapproval site, but I resisted. It was the first time I had received that message, so I thought, "This gardening stuff must be working!" Then I closed my laptop. I think I need to claim my bronze spade!


Congrats on your will power! :smileywink: What date have you been gardening since? We can ask someone to place the spade into your signature if you'd like. I think it requires 30 posts to be able to add an image into the signature yourself.

Starting Score: EQ04: 748 (1/31/14) - TU08: 755 (1/06/14)
Current Score:EX08:778(12/04) - EQ04:770(10/31) - EQ08:791(12/05) - TU08:798(12/05)
Goal Score: 800+
Senior Contributor
lg8302ch
Posts: 3,127
Registered: ‎11-13-2012
0

Re: Garden Club Meeting - July 2014

Good morning everybody !

Another month has passed and today I was able to pick a spade ...Bronze on the way to Gold ..lol..probably won't make it much further than Gold as I still have cards on my wishlist for 2015 :smileyhappy: 

FICO® EQ 795 (as of today) - TU 778 (11/28) * Fako EX 811 (12/02 - CS) * last app 12/16/14 * INQ last 2 yrs TU: 4, EX: 5, EQ: 3


Move the mouse over the cards for detailed view!..................................................................* Seedling Garden Club member *
Senior Contributor
lg8302ch
Posts: 3,127
Registered: ‎11-13-2012
0

Re: Garden Club Meeting - July 2014


KennyRS wrote:

Cookie2120987 wrote:

KennyRS wrote:
Happy July everyone! Tomorrow, I get me a new spade! :smileyhappy: Silver, here I come!

Good morning! well early morning!

 

Congrats! Did you count down the weeks and days? Lol

 

3 more weeks till I can graduate! Will make it my second longest  garden yet! The Garden Club is definitely a vital tool :smileyhappy:

 

 


Haha! At first, I was like "I'm so proud! I've made a week!" haha. Now, I'm good you've almost made 3 months. Now you need to see this through at least 6 months to 1 year. At least is what I'm telling myself. I do see a January 1st app happening though. Amex, I'm sure. lol... I can't help myself when it comes to maximum backdating. :smileyvery-happy:


I will probably join you with an SPG app... and I would just wish Amex would accept my MSD without Global transfer as then it would really benefit me by adding 10+ yrs. Right now the US card will just get me out of the "new" accounts next year with the 2yrs I have in the US  :smileysad:

FICO® EQ 795 (as of today) - TU 778 (11/28) * Fako EX 811 (12/02 - CS) * last app 12/16/14 * INQ last 2 yrs TU: 4, EX: 5, EQ: 3


Move the mouse over the cards for detailed view!..................................................................* Seedling Garden Club member *

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