topic Re: Garden Club - July 2021 in Personal Finance

Garden Club - July 2021

UncleB — Thu, 01 Jul 2021 04:00:12 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 - July 2021

simplynoir — Thu, 01 Jul 2021 04:01:03 GMT

Happy July, everyone! Hopefully the second half of the year is better than the first has been 🍸

Re: Garden Club - July 2021

FinStar — Thu, 01 Jul 2021 04:01:06 GMT

Already July!? Geez, where did the last 6 months go? 😬

Re: Garden Club - July 2021

UncleB — Thu, 01 Jul 2021 04:01:09 GMT

Happy July, everybody!

Re: Garden Club - July 2021

M_Smart007 — Thu, 01 Jul 2021 04:01:23 GMT

5th place

Re: Garden Club - July 2021

FinStar — Thu, 01 Jul 2021 04:02:04 GMT

Re: Garden Club - July 2021

Anonymous — Thu, 01 Jul 2021 04:07:11 GMT

Happy 2021.5

Re: Garden Club - July 2021

Remedios — Thu, 01 Jul 2021 04:09:46 GMT

So, are we going to Home Depot in the morning?

Re: Garden Club - July 2021

simplynoir — Thu, 01 Jul 2021 04:11:39 GMT

As long as you don't mind a stop at Starbucks first for coffee

Re: Garden Club - July 2021

UncleB — Thu, 01 Jul 2021 04:13:15 GMT

@Remedios wrote:
So, are we going to Home Depot in the morning?

I went just a little while ago... had to knock-out that 15x points deal on the WF Propel.

(To be fair I needed to go anyway, but that did provide a little encouragement...)

Re: Garden Club - July 2021

Remedios — Thu, 01 Jul 2021 04:17:45 GMT

I don't like home depot, I always get lost

Re: Garden Club - July 2021

UncleB — Thu, 01 Jul 2021 04:24:58 GMT

@Remedios wrote:
I don't like home depot, I always get lost

Me too, but that's part of why I like it... it's like a 'mini-adventure' getting to see stuff I didn't even know existed, LOL.

Re: Garden Club - July 2021

Remedios — Thu, 01 Jul 2021 04:28:35 GMT

@UncleB wrote:
@Remedios wrote:
I don't like home depot, I always get lost
Me too, but that's part of why I like it... it's like a 'mini-adventure' getting to see stuff I didn't even know existed, LOL.

Last time, I got lost in a hot house full of plants and barbeques.

Then I found a way out, but it was at the opposite end of the building which I did not realize at a time... so I kept looking for my car.

On a wrong parking lot.

That's how I roll

Re: Garden Club - July 2021

srloring13 — Thu, 01 Jul 2021 04:41:51 GMT

Hello,

Its been a while since I checked in. I cant believe its been 2 years. The only problem is that I picked up a bad spending habit:-(

Re: Garden Club - July 2021

Brian_Earl_Spilner — Thu, 01 Jul 2021 06:10:32 GMT

@Remedios wrote:
So, are we going to Home Depot in the morning?

Yes. Because you just reminded me I forgot to go today

Re: Garden Club - July 2021

EdMan63 — Thu, 01 Jul 2021 07:59:40 GMT

Happy July everyone. May 2021 pt 2 be better than pt 1.

Re: Garden Club - July 2021

tcbofade — Thu, 01 Jul 2021 08:26:55 GMT

Good morning boys and girls. Happy Thursday!

Happy 3:24 @Remedios !

In Fico 8 land, I lost one Experian, one Trans Union, and gained three Equifax ficos over the course of June. That's a total of plus one. Whee. Updated scores in signature.

DW, however, is kicking my butt. EX 770, EQ 788, and TU 777. I might have to throw her over the fence this weekend... we shall see.

It's STILL raining. Going to trade the car in for a boat to get to work next week...

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

Re: Garden Club - July 2021

coldfusion — Thu, 01 Jul 2021 11:58:25 GMT

Good morning everyone!

Re: Garden Club - July 2021

Remedios — Thu, 01 Jul 2021 12:19:33 GMT

There are the facts:

It is morning.

Mornings are not good.

These are the questions:

If one woke up at 1 am, isn't this PM for them, therefore they should be greeted with "Good afternoon"

Are afternoons really good?

The most important thing:

Home Depot.

Re: Garden Club - July 2021

coldfusion — Thu, 01 Jul 2021 13:01:54 GMT

@Remedios wrote:
There are the facts:

It is morning.
Mornings are not good.

These are the questions:

If one woke up at 1 am, isn't this PM for them, therefore they should be greeted with "Good afternoon"
Are afternoons really good?

The most important thing:

Home Depot.

Good afternoon to you? 🤷‍♂️