topic Re: Garden Club - July 2020 in Personal Finance

Garden Club - July 2020

UncleB — Wed, 01 Jul 2020 04:00:23 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 thread's 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 (or tag in a post) 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 - July 2020

simplynoir — Wed, 01 Jul 2020 04:01:01 GMT

Halfway through the year and you wonder where the rewind button is at 😂😐

But for real the rest of this year needs to go by quickly

Stay safe everyone!

Re: Garden Club - July 2020

Anonymous — Wed, 01 Jul 2020 04:01:18 GMT

Who is ready for Jumanji Level 7? Happy July 💥

Re: Garden Club - July 2020

Meanmchine — Wed, 01 Jul 2020 04:03:06 GMT

4 ????

This has to be a mistake

Re: Garden Club - July 2020

UncleB — Wed, 01 Jul 2020 04:01:18 GMT

Happy July, everybody!

Re: Garden Club - July 2020

AllZero — Wed, 01 Jul 2020 04:01:20 GMT

Last! Happy July!

Re: Garden Club - July 2020

Cjaysmom — Wed, 01 Jul 2020 04:04:28 GMT

Well, I survived June. I only had to replace the over the stove microwave. But, I love living in my own home. I've not applied for any new credit cards AND I'm tending the garden watching the little plants grow. 3 inquiries will fall off my credit report this month! I may consider refinancing -- I know I just bought -- but that won't be until around September. I wish everyone a Happy 4th of July.

Now, back to my garden....plants need watering.

Re: Garden Club - July 2020

Meanmchine — Wed, 01 Jul 2020 04:05:30 GMT

@simplynoir wrote:
Halfway through the year and you wonder where the rewind button is at 😂😐

But for real the rest of this year needs to go by quickly

Stay safe everyone!

Aint dat dah truth

Re: Garden Club - July 2020

Brian_Earl_Spilner — Wed, 01 Jul 2020 04:13:06 GMT

Still the 30th

Cash me outside how bout dat

Re: Garden Club - July 2020

Meanmchine — Wed, 01 Jul 2020 04:13:27 GMT

In July credit news

My EQ F8 is 844

Equifax as of 6/25 said my AAoA is 6y9m

Both Experion and myFICO say my EQ AAoA on 6/1 was 6y11m

Im hoping my EQ AAoA will turn 7y today

Im hoping for a score bump and maybe 850

Good luck everybody with FICO luvin today

Re: Garden Club - July 2020

Mv350 — Wed, 01 Jul 2020 04:19:33 GMT

Happy July garden peeps 😎

Re: Garden Club - July 2020

Remedios — Wed, 01 Jul 2020 04:25:46 GMT

@UncleB I had everything ready in case you forgot

Re: Garden Club - July 2020

UncleB — Wed, 01 Jul 2020 04:40:37 GMT

@Remedios wrote:
@UncleB I had everything ready in case you forgot

I like your's better than mine!

Re: Garden Club - July 2020

M_Smart007 — Wed, 01 Jul 2020 06:56:23 GMT

Last but not 1st

Re: Garden Club - July 2020

AllZero — Wed, 01 Jul 2020 06:58:08 GMT

@M_Smart007 wrote:
Last but not 1st

@M_Smart007

Re: Garden Club - July 2020

M_Smart007 — Wed, 01 Jul 2020 07:01:12 GMT

Re: Garden Club - July 2020

M_Smart007 — Wed, 01 Jul 2020 07:01:49 GMT

@AllZero wrote:
@M_Smart007 wrote:
Last but not 1st
@M_Smart007

Howdy @AllZero

Re: Garden Club - July 2020

M_Smart007 — Wed, 01 Jul 2020 07:02:29 GMT

Your up late

Re: Garden Club - July 2020

M_Smart007 — Wed, 01 Jul 2020 07:02:46 GMT

Re: Garden Club - July 2020

AllZero — Wed, 01 Jul 2020 07:03:51 GMT

@M_Smart007 wrote:
Your up late

One could say, I'm up early.