topic Re: Garden Club - November 2019 in Personal Finance

Garden Club - November 2019

UncleB — Fri, 01 Nov 2019 04:03:58 GMT

Welcome

Garden Club Members!

Welcome all new GCers, returning GCers

and old timers to our little island of

"No Credit Applications"!

What is gardening? Quite simply, it involves refraining from applying for new credit or seeking CLIs that require hard pulls. Soft pull CLIs, however, are not only acceptable, but are encouraged. The idea is to allow one's current trade lines to grow and mature, waiting for inquiries to age or fall off, and possibly waiting for "baddies" to be removed/age off. During this time, one tends to one's current accounts and watches their AAoA (average age of accounts) grow and the new credit ding fade. Here we socialize, commiserate and support each other while waiting for baddies to fall off, new accounts and/or inquiries to age or if we just want a place to hang out to get away from the hustle and bustle of credit card talk.

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. You'll always find camaraderie available here as you work towards your gardening goals.

Help yourself to our drinks and appetizers. Flat-breads, sliders, pizza, buffalo wings, grilled zucchini, kale salads, pecan and apple pie à la mode. There's also a nice selection of cold beers. Once again, please feel free to bring anything 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, Benadryl, 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!

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.

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 and the discussion of which credit card to app for on another thread. While we are happy with members’ success stories, we really do want to keep this threads focus and tone to be consistent with gardening efforts. You are certainly welcome to celebrate SP CLIs in this thread, as they do not involve inquiries or apps for new credit.

To maintain the 'spirit' of the Garden Club, any discussion regarding credit apps and/or approvals (including approval announcements) is subject to be removed from Garden Club posts by a moderator and/or your post may be moved to a new thread on the appropriate board. Thanks for understanding!

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 any backdated 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.

Also, for those who are seeking a new mortgage or refinancing an existing one, we understand that your lender will pull your credit reports multiple times before closing. For those GC'ers, the first HP will set your clock, not the subsequent pulls. However, if you are simply rate shopping, then the normal HP rules apply.

You will be able to add the following to your siggy if you have been abiding 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
18 months - emerald
21 months - sapphire
24 months or more - diamond

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 add the code, click 'My Settings', then 'Personal Information', then paste the code into the 'Signature' box. When you're finished, be sure to click 'Save' at the bottom of the page!

*New forum members may be unable to add/edit HTML; see note below.

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="https://ficoforums.myfico.com/t5/image/serverpage/image-id/2760iB9166C1A493A3CBC" title="Seedling Garden Club Member" border="0" width="50" height="67" align="right">

Bronze:

<img src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/33673iA9327A27227FE439" border="0" title="Bronze Garden Club Member" width="40" height="40" align="right">

Silver:

<img src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/33675i85072060A7E9ED9F" border="0" title="Silver Garden Club Member" width="40" height="40" align="right">

Gold:

<img src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/33674i6D97EA62D60FAA1E" border="0" title="Gold Garden Club Member" width="40" height="40" align="right">

Palladium:

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

Platinum:

<img src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/33676i7D22867F5B8C8548" border="0" title="Platinum Garden Club Member" width="120" height="80" align="right">

Ruby:

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

Emerald:

<img src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/5623i698C4BF1F9D77284" border="0" width="40" title="Emerald Garden Club Member" height="40" align="right">

Sapphire:

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

Diamond:

<img src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/33677iDA1FD49740EB050B" border="0" title="Diamond Garden Club Member" 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!

*Just a reminder, if you are new to the forum you may not be able to add a seedling or spade to your profile yourself; a rank of "Member" is required to add HTML to your signature. In this case send any moderator a PM and we'll add it for you.

You can also use the "Report Inappropriate Content" option on any post to notify a moderator; be sure to indicate that you need _____ spade. (seedling, bronze, etc.)

Re: Garden Club - November 2019

simplynoir — Fri, 01 Nov 2019 04:04:44 GMT

Happy November gals and guys!

October needed a serious swipe to the left

Re: Garden Club - November 2019

UncleB — Fri, 01 Nov 2019 04:05:00 GMT

Happy November, everybody!

Re: Garden Club - November 2019

Meanmchine — Fri, 01 Nov 2019 04:06:02 GMT

4th place. At least I finished in the money

Happy November everyone !

Thanksgiving isnt until the 28th this year making it the latest in the month any Thanksgiving can be. SMALL possibiolity of a small FICO love in EQ and EX for me. TU will most likely still be stuck at 848. Got a couple CLIs coming up so this might be a fun month after all.

Good luck to everyone !

Re: Garden Club - November 2019

shoegal — Fri, 01 Nov 2019 04:05:30 GMT

Happy November 🍁

Re: Garden Club - November 2019

Anonymous — Fri, 01 Nov 2019 04:05:43 GMT

Happy November 🦃!

Re: Garden Club - November 2019

coldfusion — Fri, 01 Nov 2019 04:05:58 GMT

Good night.

Re: Garden Club - November 2019

Meanmchine — Fri, 01 Nov 2019 04:06:12 GMT

@coldfusion wrote:
Good night.

G'Nite CF

Re: Garden Club - November 2019

simplynoir — Fri, 01 Nov 2019 04:06:29 GMT

@coldfusion wrote:
Good night.

Goodnight, CF 😴

Re: Garden Club - November 2019

outofcredit — Fri, 01 Nov 2019 04:08:47 GMT

Hello everyone, still here! Just had a great birthday on Halloween in spite of the weather. Hope everyone is sticking to their garden goals and cultivating their scores for the New Year! Goodnight all.

Re: Garden Club - November 2019

Meanmchine — Fri, 01 Nov 2019 04:08:00 GMT

I guess everyone went out trick-or-treating

Re: Garden Club - November 2019

Meanmchine — Fri, 01 Nov 2019 04:11:42 GMT

@UncleB Did you lock the wrong thread?

Re: Garden Club - November 2019

UncleB — Fri, 01 Nov 2019 04:11:23 GMT

I've always been paranoid about misspelling the month when I make the new thread; so far that's never happened.

Apparently I should have been more concerned about getting the year right.

(It's now fixed... I'm actually thankful this happened on a month with a slower start.)

Re: Garden Club - November 2019

Anonymous — Fri, 01 Nov 2019 04:12:20 GMT

Well it's now november here in real estate land that means nothing gets down til mid January. Every body is out Thanksgivng, Christmas and New years Parties. I need to start organizing this years records.

Re: Garden Club - November 2019

UncleB — Fri, 01 Nov 2019 04:12:58 GMT

@Meanmchine wrote:
@UncleB Did you lock the wrong thread?

LOL... I didn't, but I admit after screwing up on the year in the new thread I did go back and look.

Re: Garden Club - November 2019

Remedios — Fri, 01 Nov 2019 04:13:36 GMT

I fell asleep 🤷‍♀️

Anyway, gardening has been hard last few weeks. I guess Precious high is wearing off ☹

Regardless, going to continue gardening till two stunted scores get a clue

❤

Re: Garden Club - November 2019

Saleen099 — Fri, 01 Nov 2019 04:13:36 GMT

Happy November Ladies and gentlemen.

Re: Garden Club - November 2019

expatCanuck — Fri, 01 Nov 2019 04:14:14 GMT

Best of the month, kids.

Back to Blue Murder.

Re: Garden Club - November 2019

Meanmchine — Fri, 01 Nov 2019 04:14:28 GMT

@UncleB wrote:
I've always been paranoid about misspelling the month when I make the new thread; so far that's never happened.

Apparently I should have been more concerned about getting the year right.

(It's now fixed... I'm actually thankful this happened on a month with a slower start.)

If a tree falls in myFICO and no one is logged on to hear it, does it still make a sound?

Re: Garden Club - November 2019

simplynoir — Fri, 01 Nov 2019 04:15:33 GMT

Ah, DST this weekend