topic Re: Garden Club - February 2019 in Personal Finance

Garden Club - February 2019

UncleB — Fri, 01 Feb 2019 05:00:14 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.

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 - February 2019

simplynoir — Fri, 01 Feb 2019 05:00:50 GMT

Happy February garderners!

So..the first month kinda sucked personal trip to Vegas notwithstanding lol. This month should hopefully be much more calm on the work front and make it more relaxing as a result. Been app-free since Premier December 1st thanks to some help and hoping to keep that up since I don't see any other cards for myself anytime soon. Crossing my fingers that keeps.

Stay clean everyone!

Re: Garden Club - February 2019

Adkins — Fri, 01 Feb 2019 07:50:23 GMT

Woot!

Edited to add: almost the first post! 😄

Re: Garden Club - February 2019

K-in-Boston — Fri, 01 Feb 2019 05:00:53 GMT

Happy February, everyone! This is a short month, so it should be slightly easier for everyone to stay on track. I'm resigning myself to Permanent Observer Status. I really do have everything I need, but rather than just continually falling off the wagon I'll just lend my support to everyone else.

Re: Garden Club - February 2019

Anonymous — Fri, 01 Feb 2019 05:01:16 GMT

Happy February ❤️

One month down.....11 to go. No real temptation at the moment, but I expect it to get more difficult because my reports will be clean in a couple of months. I’m sweating just thinking about it but.... that vow....will keep me on the straight and narrow. Spade time!

Re: Garden Club - February 2019

UncleB — Fri, 01 Feb 2019 05:01:48 GMT

Happy February, everybody!

Re: Garden Club - February 2019

Remedios — Fri, 01 Feb 2019 05:01:36 GMT

Hi!

Re: Garden Club - February 2019

shoegal — Fri, 01 Feb 2019 05:01:45 GMT

Happy February 💕😍

Re: Garden Club - February 2019

Meanmchine — Fri, 01 Feb 2019 05:02:26 GMT

Happy February everyone !!!

January was a good month for me and Im expecting February to be nice and quiet provided I dont mess things up.

I didnt even try .....

Re: Garden Club - February 2019

simplynoir — Fri, 01 Feb 2019 05:02:50 GMT

And my work here is done.

Would just like to state for the record when I'm not getting cheated I'm basically undefeated last month doesn't count.

Re: Garden Club - February 2019

Adkins — Sun, 03 Feb 2019 05:55:56 GMT

Ikea opens officially in 12 days. I just got a birthday coupon in my email, and it's only good until the end of the month. I was trying to avoid the madness of a new store opening unti March.

No interest in apping for anything, still.

I turn 40 in six days, and I'm cool with that. 😎

Re: Garden Club - February 2019

macinjosh — Fri, 01 Feb 2019 05:05:06 GMT

Well, I almost finished the January thread. Have a few more pages to read though. You’ll see new kudos as I finish it.

Re: Garden Club - February 2019

Anonymous — Fri, 01 Feb 2019 05:05:46 GMT

@K-in-Boston wrote:
Happy February, everyone! This is a short month, so it should be slightly easier for everyone to stay on track. I'm resigning myself to Permanent Observer Status. I really do have everything I need, but rather than just continually falling off the wagon I'll just lend my support to everyone else.

So observer is like a perpetual pass to never have to conform to the rules of the garden?

Well I actually think I’ll make it out of February with no apps as well. Adding the PayPal debit to my wallet actually killed my interest in many cards in one fell swoop.

Happy gardening everyone!

Re: Garden Club - February 2019

Brooklyn2018 — Fri, 01 Feb 2019 05:06:06 GMT

SEE...You's Guy's are too fast....I was over in January waiting on replies!!!

I've got a lot to learn here in the Garden

Happy February!

Re: Garden Club - February 2019

Adkins — Fri, 01 Feb 2019 05:06:28 GMT

@Remedios wrote:
Hi!

Hi!!! 😀

Re: Garden Club - February 2019

K-in-Boston — Fri, 01 Feb 2019 05:06:29 GMT

Rank	Month	Posts
1	Mar 2014	9162
2	Jan 2019	8831
3	Jan 2014	8129
4	Dec 2018	7269
5	Feb 2014	6721
6	Nov 2013	5680
7	Apr 2014	5572
8	Aug 2013	5437
9	Dec 2013	4613
10	Aug 2018	4597

So close.

Re: Garden Club - February 2019

UncleB — Fri, 01 Feb 2019 05:18:35 GMT

Apologies for the lack of the customary 'last call' on the January thread... I was multi-tasking and the time snuck up on me.

We weren't late with February, though!

Edited to add: I just saw that @simplynoir took care of the 'last call'... thanks for having my back!

Re: Garden Club - February 2019

simplynoir — Fri, 01 Feb 2019 05:07:38 GMT

I'm going to bed everyone. I'll be sure to make the kudo rounds when I can for everyone tomorrow. Goodnight!

Re: Garden Club - February 2019

K-in-Boston — Fri, 01 Feb 2019 05:08:17 GMT

Goodnight simplynoir.

Re: Garden Club - February 2019

Adkins — Fri, 01 Feb 2019 05:09:14 GMT

@K-in-Boston wrote:
Rank Month Posts
1 Mar 2014 9162
2 Jan 2019 8831
3 Jan 2014 8129
4 Dec 2018 7269
5 Feb 2014 6721
6 Nov 2013 5680
7 Apr 2014 5572
8 Aug 2013 5437
9 Dec 2013 4613
10 Aug 2018 4597

So close.

Bummer.