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Moderator
tinuviel
Posts: 4,871
Registered: ‎11-02-2010

Garden Club Meeting - June 2013

Greetings, fellow credit gardeners! The new month has begun so, I hereby convene the June 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. As always, there is a snack table set up. Summer is upon us, so we're going to fire up the grill -- burgers, hot dogs, and kebobs are available for your dining pleasure! There's iced tea, lemonade and sodas, and if you like, a variety of ice cold beers. And as always, we have a selection of mini-quiches, as Relevate really likes them (we aim to please!). 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 newest feature is 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.


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.

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">

 

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


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Platinum 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 8.95k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.2k, Kay Jeweler's 5.1k
Moderator
tinuviel
Posts: 4,871
Registered: ‎11-02-2010

Re: Garden Club Meeting - June 2013

June is off to a good start for me! I just pulled my scores, and my EQ score is up 10 points from yesterday, for a total of 15 points from the 1st of last month! Since I received a SW yesterday showing a 5 point boost from a balance updating, the only way that I can account for the additional 10 points is from aging. Gardening works!!! :smileyvery-happy: I'm also up 17 points from last month on my TU score. And in three more days, I'm going to pick up my silver spade... so happy!!!


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Platinum 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 8.95k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.2k, Kay Jeweler's 5.1k
Established Contributor
parakleet
Posts: 956
Registered: ‎04-13-2013

Re: Garden Club Meeting - June 2013

Ooh - do I get to be the first to post on the June GC? :smileylol:

 

What a great way to end the May GC with a rowdy Friday night social. I'm sure the June GC will even be more lively! I definitely want to stay in the garden for another couple of months at least. Yay for June!

Gardening since 4/13/14
Starting FICO scores: EQ 720 (Apr '13); EX 747 (Apr '13)
Current: EQ 709 Sep '13; EX 731 Jun '13 TU 712 (Mar '14)
Goal: 760+
Established Contributor
CashOnDelivery
Posts: 502
Registered: ‎04-17-2013

Re: Garden Club Meeting - June 2013


tinuviel wrote:

June is off to a good start for me! I just pulled my scores, and my EQ score is up 10 points from yesterday, for a total of 15 points from the 1st of last month! Since I received a SW yesterday showing a 5 point boost from a balance updating, the only way that I can account for the additional 10 points is from aging. Gardening works!!! :smileyvery-happy: I'm also up 17 points from last month on my TU score. And in three more days, I'm going to pick up my silver spade... so happy!!!


Awesome!


2010: 475 EQ 2011: 503 EQ 2012: 600 EQ2013:632 EQ
Starting Score: 634 EQ-3/13/13
Current Score: 706 EQ-8/29/13 703 EX-7/12/13 705 TU-8/9/13
Goal Score: 700

Take the myFICO Fitness Challenge
Established Contributor
parakleet
Posts: 956
Registered: ‎04-13-2013

Re: Garden Club Meeting - June 2013


tinuviel wrote:

June is off to a good start for me! I just pulled my scores, and my EQ score is up 10 points from yesterday, for a total of 15 points from the 1st of last month! Since I received a SW yesterday showing a 5 point boost from a balance updating, the only way that I can account for the additional 10 points is from aging. Gardening works!!! :smileyvery-happy: I'm also up 17 points from last month on my TU score. And in three more days, I'm going to pick up my silver spade... so happy!!!


Wow that's very inspiring. I definitely want to get my scores over at least 740 before I start doing any app sprees. It sounds like I'm just going to have sit my behind in the GC for the summer! Congrats on your scores!

Gardening since 4/13/14
Starting FICO scores: EQ 720 (Apr '13); EX 747 (Apr '13)
Current: EQ 709 Sep '13; EX 731 Jun '13 TU 712 (Mar '14)
Goal: 760+
Frequent Contributor
Rackham94
Posts: 488
Registered: ‎04-01-2013

Re: Garden Club Meeting - June 2013

Scores are slowly starting to come back up as my new accounts age accordingly :smileyvery-happy:

 

AMEX Charge here I come. :robotvery-happy:

Moderator
tinuviel
Posts: 4,871
Registered: ‎11-02-2010

Re: Garden Club Meeting - June 2013


parakleet wrote:

tinuviel wrote:

June is off to a good start for me! I just pulled my scores, and my EQ score is up 10 points from yesterday, for a total of 15 points from the 1st of last month! Since I received a SW yesterday showing a 5 point boost from a balance updating, the only way that I can account for the additional 10 points is from aging. Gardening works!!! :smileyvery-happy: I'm also up 17 points from last month on my TU score. And in three more days, I'm going to pick up my silver spade... so happy!!!


Wow that's very inspiring. I definitely want to get my scores over at least 740 before I start doing any app sprees. It sounds like I'm just going to have sit my behind in the GC for the summer! Congrats on your scores!


The funny thing is, it feels like you're doing nothing, but once you see your scores start to go up you begin to realize that gardening really is an active part of growing your scores. Part of the scoring formula includes the category of "New Credit," and if you just sit back and tend to what you have it will increase that part of the equation. Stay on your path, and your scores will get there!


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Platinum 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 8.95k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.2k, Kay Jeweler's 5.1k
Contributor
Charmlessman
Posts: 82
Registered: ‎03-19-2013

Re: Garden Club Meeting - June 2013

Only 19 days away from Silver spade!!!

 

A lot of success for all people in the garden this month. Lets keep working towards our goals.



Frequent Contributor
new_earth
Posts: 399
Registered: ‎03-23-2013

Re: Garden Club Meeting - June 2013

I've come to the conclusion that I will *never* be in the garden LOL

The Duck Card $7500 - DCU Visa Platinum $7100 - Discover it $2500 - Chase Freedom $3500 - Chase Slate $2000 - Barclay Rewards MC $1300 - Barclay Apple Visa $2000 - Ebates Visa $1800 - Macy's Amex $3000 - Bloomingdale's Amex $3000 - Walmart Discover $4250 - Chevron-Texaco Visa $2800 - PayPal SC $3200 - Home Depot $5000 - and too many other store cards
Valued Contributor
asphaltcowboy
Posts: 1,111
Registered: ‎02-03-2013

Re: Garden Club Meeting - June 2013


tinuviel wrote:

June is off to a good start for me! I just pulled my scores, and my EQ score is up 10 points from yesterday, for a total of 15 points from the 1st of last month! Since I received a SW yesterday showing a 5 point boost from a balance updating, the only way that I can account for the additional 10 points is from aging. Gardening works!!! :smileyvery-happy: I'm also up 17 points from last month on my TU score. And in three more days, I'm going to pick up my silver spade... so happy!!!


Congrats tinuviel

Very nice:smileyhappy:




Starting Score TU 667 EQ 663 EX 655
Current Score TU 694 EQ 692 EX 696 Last Update 8/2013
Garden Club 04/10/2013 (Goal 2015 or Longer)





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