topic Re: Garden Club - April 2021 in Personal Finance

Garden Club - April 2021

UncleB — Thu, 01 Apr 2021 04:00:13 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
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/62749iA47C118690AE79C4/" 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/62750i80525A8D0134733C/" 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/62751i19C20BE73EF51FCD/" 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/62752i0CF46A0DE3001FC9/" 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/62753i2F12F03322059E19/" 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 - April 2021

simplynoir — Thu, 01 Apr 2021 04:21:33 GMT

Happy Easter Bunny month!

Going through a reshuffle of some life stuff. Scary but a good scary lol
Everyone stay safe out there!
And yo Socks Bank, where's the Connect card at? 😐

Re: Garden Club - April 2021

AllZero — Thu, 01 Apr 2021 04:01:19 GMT

Re: Garden Club - April 2021

UncleB — Thu, 01 Apr 2021 04:01:13 GMT

Happy April, everybody!

Re: Garden Club - April 2021

Brian_Earl_Spilner — Thu, 01 Apr 2021 04:02:09 GMT

#TeamKong

Re: Garden Club - April 2021

Remedios — Thu, 01 Apr 2021 04:04:54 GMT

Happy April.

Still gardening, been so long, I had hard time filling out paperwork at dentist's office.

I better wake up to a few points (kinda gave up on dark green circles, 780 slummin' will have to do for now).

Re: Garden Club - April 2021

Slabenstein — Thu, 01 Apr 2021 04:14:42 GMT

Looking forward to Immanuel Kant's birthday on the 22nd, as I'm sure we all are!

Re: Garden Club - April 2021

bizarrocreditworld — Thu, 01 Apr 2021 05:35:45 GMT

Hello everybody,

Checking in for April. Have an interesting next few days since Friday is World Autism Awareness Day, Saturday is when I am officially "fully vaccinated", Sunday is Easter and Tuesday is the last day of my current class.

Speaking of World Autism Awareness Day, I was about to post an article on LinkedIn tonight, when I saw another one of my former colleagues had posted an article where she is quoted. Turns out she was referencing me without saying my name. Posted my article anyway.

No credit news this month.

Also, for you Immanuel Kant fans: https://www.youtube.com/watch?v=l9SqQNgDrgg :smileywink:

Re: Garden Club - April 2021

Anonymous — Thu, 01 Apr 2021 06:17:18 GMT

Howdy garden peeps!

I think I missed a few check ins lol.

I have still been gardening. Platinum spade comes on the 14th (I thought it was the 13th but I just double checked). I didn't think I would make it but it's close!

I took a detour from saving for a bit between the February computer build and the Xbox Series X I bought last month but I've still got over $5K put away and I'm feeling proud of that fact.

I have my first half of my deep cleaning at the dentist next Tuesday. I sure hope I can get through it because the bleeding in my mouth is pretty alarming. :/

Sleep has been the absolute worst lately. I'm lucky to get 2 hours of uninterrupted sleep at night and then I'll crash in the middle of the day. I was actually supposed to have a date today and I had to cancel because I was too stressed from not sleeping. Fortunately my date understood because they have anxiety as well. We are going to plan to go out to dinner when they get back from this wedding in Florida.

Hope you're all doing well!

Re: Garden Club - April 2021

FinStar — Thu, 01 Apr 2021 06:32:18 GMT

Well, today is that day huh ☺️

How's everyone doing with their garden goals so far?

Re: Garden Club - April 2021

tcbofade — Thu, 01 Apr 2021 07:29:41 GMT

First!

Re: Garden Club - April 2021

tcbofade — Thu, 01 Apr 2021 07:55:55 GMT

Good morning boys and girls. Happy Thursday!

Happy 2:52 @Remedios !

Maybe I should have listened to @kilroy8 ... I pulled all three Fico 8s this morning for myself and for DW. Hers are improving, mine are going the other way. Oh well. I'm not suprised, and I'm STILL waiting for that mortgage to report to the CRAs.

Still team Finances>Ficos!

I'm going to go in a bit early to help someone else with a project.

Hope that you're all off to a good start!

Re: Garden Club - April 2021

tcbofade — Thu, 01 Apr 2021 07:57:58 GMT

@Brian_Earl_Spilner wrote:
#TeamKong

My wife is one of you.

Don't wreck it. We're going tomorrow!

Re: Garden Club - April 2021

Anonymous — Thu, 01 Apr 2021 10:32:52 GMT

good morning!

getting closer to summer!

Re: Garden Club - April 2021

joltdude — Thu, 01 Apr 2021 11:38:06 GMT

Going in for my first poke later this morning...

Hope this is the start of better things to come..

Still have had a week of sleep pox but for some reason I actually slept well last night..

Need caffine... its too early this morning for me.

Oh after midnight 12:49am on the third day after I applied, I got a no soup for you from GS... Not enough use and paid enough.... Blahblahblah

TU Fico 9 of 828

-J

Re: Garden Club - April 2021

coldfusion — Thu, 01 Apr 2021 22:34:19 GMT

good morning - yay for April showers

coffee is up Remi 🤗

Re: Garden Club - April 2021

Remedios — Thu, 01 Apr 2021 11:48:23 GMT

@tcbofade wrote:
Good morning boys and girls. Happy Thursday!

Happy 2:52 @Remedios !

Maybe I should have listened to @kilroy8 ... I pulled all three Fico 8s this morning for myself and for DW. Hers are improving, mine are going the other way. Oh well. I'm not suprised, and I'm STILL waiting for that mortgage to report to the CRAs.

Still team Finances>Ficos!

I'm going to go in a bit early to help someone else with a project.

Hope that you're all off to a good start!

Happy 4:49

Gah, scores!

Re: Garden Club - April 2021

Remedios — Thu, 01 Apr 2021 22:35:03 GMT

@coldfusion wrote:
good morning - yay for April showers

coffee is up Remi 🤗

😂😂😂

Morning 🤗

Re: Garden Club - April 2021

Brian_Earl_Spilner — Thu, 01 Apr 2021 11:49:15 GMT

@tcbofade wrote:
@Brian_Earl_Spilner wrote:
#TeamKong
My wife is one of you.

Don't wreck it. We're going tomorrow!

I'll just say this, there was a lot of smashing. Brian was pleased.

Re: Garden Club - April 2021

Anonymous — Thu, 01 Apr 2021 12:00:27 GMT

Happy April 1.

I was going to do a GC April Fools joke where I was going to redo my siggy with a seedling and updated stats to make it appear that I went hog wild with an app spree, CLI run etc.

But I'm too *bleeping* lazy and tired to bother. So the emerald and $5k TCL siggy stays.