Garden Club Meeting - March 2013

[JMills]

Thank You so much, this really made me smile and made my day. It just give me a push and a motivation to reach my goals.

[JMills]

Good Morning, No problem. I am in the garden everyday : ) I made some Homemade Banana Nut waffles, you want some? Please tell me what should I do on seeding and how I put it on here. I have three inquirys overall on my CRs, one I did this week. I am gardening until September 2014. Please let me know what is the difference between a soft pull and a hard pull? Am I allowed to say that in the Garden? I want to do the right thing from now on.

[Axa]

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@JMills wrote:

Good Morning, No problem. I am in the garden everyday : ) I made some Homemade Banana Nut waffles, you want some? Please tell me what should I do on seeding and how I put it on here. I have three inquirys overall on my CRs, one I did this week. I am gardening until September 2014. Please let me know what is the difference between a soft pull and a hard pull? Am I allowed to say that in the Garden? I want to do the right thing from now on.

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Of course, you're allowed to stay! Sit down and relax. (And pass those waffles over here!)

The difference between a hard and soft pull/inquiry is that the hard pull negatively affects your score.

[Swapmeet]

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@JMills wrote:

Good Morning, No problem. I am in the garden everyday : ) I made some Homemade Banana Nut waffles, you want some? Please tell me what should I do on seeding and how I put it on here. I have three inquirys overall on my CRs, one I did this week. I am gardening until September 2014. Please let me know what is the difference between a soft pull and a hard pull? Am I allowed to say that in the Garden? I want to do the right thing from now on.

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Ok JM, a quick tutorial: App is short for apply or application. To get the seedling to show up you go to the first page of the garden thread (this thread) and there will be a line of code where it says seedling. Highlight that code and press control c; then, in the upper left hand corner by your name you click on my settings, and paste the code into the box that says signature - bam! Seedling status achieved.

Also, this board has a ton of info on it that will turn you into a well-informed user. A little research goes a long way. This link will provide you with a great foundation of knowledge, and after reading those threads I suggest using the search feature in the upper right to search for the answer to a potential question before you ask it on the boards -- in case it has been asked and answered a bunch of times. I use that everyday, and it is so helpful because not only does it show me what others have advised to those in a similar position as me (or at least with the same question), but it gives me the people's outcomes who have taken the advice and updated their thread with their results of taking said advice. This site is responsible for helping me bring my credit score up over 100 points, but one must do the research -- then take action! I hope this quick overview has helped you, and again, welcome to myfico!

[Mickey11]

So I had my wife app for the Ink Bold and she was approved.....since she trusts me to advise her wisely and since I was moving this whole thing forward do I lose my spade? She didn't add me as an AU, I was merely the middle man between her and Chase......

[youngandcreditwrthy]

Technically, Ive been in the garden since December, but since HP'ed me for a recon in January.. lol

not so much.

CITI will HP you for RECON.

They HP'ed my THREE TIMES total for a recon; although I did get approved.

I disputed two of the HPs through equifax.

Im in the garden awhile! Hope everyone in the garden is having fun :-) lol

[Axa]

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@Mickey11 wrote:
So I had my wife app for the Ink Bold and she was approved.....since she trusts me to advise her wisely and since I was moving this whole thing forward do I lose my spade? She didn't add me as an AU, I was merely the middle man between her and Chase......

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This is a touching and chivalrous post.

IMO, I'd say no, you don't lose your spade, unless your username covers both you and your wife, and unless you would have subbed your HP for hers if she didn't get it. People give advice all the time to their significant others, but that doesn't mean responsibility shifts.

[Swapmeet]

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@youngandcreditwrthy wrote:

Technically, Ive been in the garden since December, but since HP'ed me for a recon in January.. lol

not so much.

CITI will HP you for RECON.

They HP'ed my THREE TIMES total for a recon; although I did get approved.

I disputed two of the HPs through equifax.

Im in the garden awhile! Hope everyone in the garden is having fun :-) lol

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@this is good to know about citi, thanks. And @Anonymous: your spade is safe. You did not get the inq, or the new tradeline on your CR so you're alright.

[swpopham]

well boys and girls, im here.... I might be here like a tumble weed but im trying..! I have everything you could ask for, I need help!!

round # 4

phase 2--- phase 1, app, phase 2 garden

day 1

[Mickey11]

Yay! I'm still in the garden then! Next stop....home sweet home!