Greetings, fellow credit gardeners! We're just a few hours away from the new month, so let's get a jump start and begin a new thread. I hereby convene the November meeting of the myFICO Garden Club.
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. This month we have an appetizer selection consisting of stuffed mushrooms, cranberry-apricot baked brie with honey, feta cheese foldovers, hot artichoke dip with pita crisps, corn fritters, and as always, an assortment of mini-quiches. We also have caramel apple bars and pumpkin pie. We have an appetizer selection consisting of salmon pate on rye crisps, sweet potato spinach stuffed triangles, and as always, an assortment of mini-quiches. 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.
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.
*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: 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
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.
<img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/2760iB9166C1A493A3CBC" border="0" width="50" height="67" align="right">
<img src="http://i.imgur.com/LEYWe.png" border="0" width="40" height="40" align="right">
<img src="http://i.imgur.com/Gfc4B.png" border="0" width="40" height="40" align="right">
<img src="http://i.imgur.com/24xvV.png" border="0" width="40" height="40" align="right">
<img src="http://i.imgur.com/vVRv5.png" border="0" alt="" title="" width="120" height="80" align="right" />
<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!
Checking in ))) All is good here!!!
glad to be here!
Checking in for another great month!
and congrats to lexie. Well deserved.
I'm here for another month with well wishes to all
Checking in ))) All is good here!!!
I see you're just a short time away from the platinum spade - WTG!!
Happy Halloween everyone. App'ed for Beaver card last Sat and it said I was approved... so back to square one for me. lol