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tinuviel
Posts: 4,875
Registered: ‎11-02-2010
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Garden Club Meeting - May 2013

Greetings, fellow credit gardeners! The new month begins tomorrow, but I usually like to start the night before the first of the month, as I'm not much of a morning person and I'd rather not have to have everyone wait until I've had my coffee. And so, I hereby convene the May 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. In honor of Cinco de Mayo, I'm going to begin by setting out some Mexican inspired treats: quesadillas, guacamole, tortilla chips, some beef and chicken enchiladas, a seven layer bean dip, and an assortment of taquitos. I'm also setting out some pitchers of sangria and Margaritas. 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!

 

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.

 

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
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Senior Contributor
myjourney
Posts: 26,656
Registered: ‎02-07-2013
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Re: Garden Club Meeting - May 2013

Another successful month of gardening....day by day

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
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Re: Garden Club Meeting - May 2013

I'm here and ready for another month of gardening!!!! :smileyhappy:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Moderator
09Lexie
Posts: 26,286
Registered: ‎09-13-2012
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Re: Garden Club Meeting - May 2013

[ Edited ]
Happy May Gardeners!

I have a baddie that will fall off my TU making it completely clear this month. I'm letting my inq's and new accts age so that I can have another successful spree this Fall.
On my list will be CSP, US Bank Cash +, Amex BCE, maybe Barclays Rewards
Moderator Emeritus
tinuviel
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - May 2013

Hello, all!

 

I'm having a wonderful time relaxing in the garden. On the fourth I'll have made it to the two month mark, and I have no desire for anything else. I received an offer for a Williams-Sonoma Visa in the mail the other day, but it went straight in the trash. I have no interest in it, but it does feel nice to be courted.

 

My Amex will reach the two year mark this month -- yay!!! I love watching my accounts reach their "birthdays." :smileyhappy:

 

Happy gardening, all. :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
Community Leader
Senior Contributor
myjourney
Posts: 26,656
Registered: ‎02-07-2013
0

Re: Garden Club Meeting - May 2013


09Lexie wrote:
Happy May Gardeners!

I have a baddy that will fall off my TU making it completely clear this month. I'm letting my inq's and new accts age so that I can have another successful spree this Fall.
On my list will be CSP, US Bank Cash +, Amex BCE, maybe Barclays Rewards

Clean reports is a great milestone Yay 

Nice list of cards on your to do list:smileywink:

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Garden Club Meeting - May 2013

The outside world would be lucky to meet us gardeners. I've caught myself slipping saying I was in the garden to some folks :smileyvery-happy:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Moderator
09Lexie
Posts: 26,286
Registered: ‎09-13-2012
0

Re: Garden Club Meeting - May 2013

@myjourney

Thanks and I'm still gathering my list. Who knows, maybe by then something else will peak my interest. Lol
Moderator
09Lexie
Posts: 26,286
Registered: ‎09-13-2012
0

Re: Garden Club Meeting - May 2013

Community Leader
Senior Contributor
myjourney
Posts: 26,656
Registered: ‎02-07-2013
0

Re: Garden Club Meeting - May 2013


tinuviel wrote:

Hello, all!

 

I'm having a wonderful time relaxing in the garden. On the fourth I'll have made it to the two month mark, and I have no desire for anything else. I received an offer for a Williams-Sonoma Visa in the mail the other day, but it went straight in the trash. I have no interest in it, but it does feel nice to be courted.

 

My Amex will reach the two year mark this month -- yay!!! I love watching my accounts reach their "birthdays." :smileyhappy:

 

Happy gardening, all. :smileyhappy:


Indeed it feels nice to be wanted and 2 years with Amex wow someday I hope to say that starting real soon :-)

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13



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