topic Re: Garden Club - March 2019 in Personal Finance

Garden Club - March 2019

UncleB — Fri, 01 Mar 2019 05:00:16 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 - March 2019

Anonymous — Fri, 01 Mar 2019 05:27:58 GMT

Holy Heck! How is it March already?!

Well here's to fruitful March! 🥃

This post dedicated to @Adkins.

Re: Garden Club - March 2019

Adkins — Fri, 01 Mar 2019 05:00:58 GMT

Woot!

Re: Garden Club - March 2019

simplynoir — Fri, 01 Mar 2019 05:01:04 GMT

Happy March, gals and guys!

If I wasn't too lazy to put it on my signature the silver spade is attained since last app was December 1st but won't be long there depending on when Citi finally decides to play nice. Next week S10+ finally comes in as early b-day present for myself, b-day week after and then later this month finally big trip to Japan for @Anonymous and I. Looking like we picked the dates we're going well based on Sakura blossom predictions so far. Just hoping there's no hiccups between now and then. Crossing fingers.

Hope everyone has a good month up ahead!

Re: Garden Club - March 2019

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

Happy March everyone. I made it through February credit sober. March is try to get more credit from Amex month for me. Happy gardening and good luck achieving your goals, everyone. Spring is almost here!

Re: Garden Club - March 2019

pizza1 — Fri, 01 Mar 2019 05:01:09 GMT

first!!

Re: Garden Club - March 2019

UncleB — Fri, 01 Mar 2019 05:01:21 GMT

Happy March, everybody!

Re: Garden Club - March 2019

Meanmchine — Fri, 01 Mar 2019 05:01:27 GMT

Happy March fellow myFICOers

Not anticipating any big score movement this month but I do have a couple CLIs that become eligible so who knows. March Madness and St. Pattys day are just a couple weeks away so its might be time to party a little bit

Re: Garden Club - March 2019

expatCanuck — Fri, 01 Mar 2019 05:03:42 GMT

Happy March!

Re: Garden Club - March 2019

Anonymous — Fri, 01 Mar 2019 05:01:34 GMT

Happy March 🍀

Two months clean! Garden hard ✌🏽

Re: Garden Club - March 2019

simplynoir — Fri, 01 Mar 2019 05:01:38 GMT

Got beat!

And what the FICO is up with this color?!

Re: Garden Club - March 2019

pizza1 — Fri, 01 Mar 2019 05:01:57 GMT

WHAT?? I swear I was SOOO on top of my game!! How did I not get first!???

Re: Garden Club - March 2019

Adkins — Fri, 01 Mar 2019 05:02:01 GMT

One day, I will be first! *Gives @Anonymous side eye*

Re: Garden Club - March 2019

UncleB — Fri, 01 Mar 2019 05:03:21 GMT

@simplynoir wrote:
Got beat!

And what the FICO is up with this color?!

Just a silly mod trick for March... we won't talk about what color it is.

Re: Garden Club - March 2019

macinjosh — Fri, 01 Mar 2019 05:04:17 GMT

Hey hey! It’s March!

Re: Garden Club - March 2019

Anonymous — Fri, 01 Mar 2019 05:04:18 GMT

Another month Will a certain person get an Amex card this month

Re: Garden Club - March 2019

Adkins — Fri, 01 Mar 2019 05:04:23 GMT

@simplynoir wrote:
Happy March, gals and guys!

If I wasn't too lazy to put it on my signature the silver spade is attained since last app was December 1st but won't be long there depending on when Citi finally decides to play nice. Next week S10+ finally comes in as early b-day present for myself, b-day week after and then later this month finally big trip to Japan for @Anonymous and I. Looking like we picked the dates we're going well based on Sakura blossom predictions so far. Just hoping there's no hiccups between now and then. Crossing fingers.

Hope everyone has a good month up ahead!

If @Anonymous needs someone to take care of Baby Blue, so she's not lonely by herself while y'all are globe trotting, let me know! 😄

Re: Garden Club - March 2019

simplynoir — Fri, 01 Mar 2019 05:04:52 GMT

@UncleB wrote:
@simplynoir wrote:
Got beat!

And what the FICO is up with this color?!
Just a silly mod trick for March... we won't talk about what color it is.

In all seriousness I wish we could do that as well to the layout. If I could I would just make it black the 67% zoom I use for this forum leaves ssssoooo much negative whitespace that sometimes hurts the eyes.

Re: Garden Club - March 2019

Adkins — Fri, 01 Mar 2019 05:04:59 GMT

@UncleB wrote:
Happy March, everybody!

....is the background green??

Re: Garden Club - March 2019

expatCanuck — Fri, 01 Mar 2019 05:05:02 GMT

@Anonymous wrote:
Happy March 🍀
Two months clean! Garden hard ✌🏽

Hot on your heels -- about a week out.