topic Re: Garden Club - March 2016 in Credit Cards

Garden Club - March 2016

tcbofade — Tue, 01 Mar 2016 22:09:11 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 pulls 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 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 inq's age or 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 Ala 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 inq's 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 account, 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 CRs 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 spade
18 months - emerald spade
21 months - sapphire spade
24 months or more - diamond spade

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 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="http://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="http://i.imgur.com/LEYWe.png" border="0" title="Bronze Garden Club Member" width="40" height="40" align="right">

SIlver:

<img src="http://i.imgur.com/Gfc4B.png" border="0" title="Silver Garden Club Member" width="40" height="40" align="right">

Gold:

<img src="http://i.imgur.com/24xvV.png" border="0" title="Gold Garden Club Member" width="40" height="40" align="right">

Palladium:

<img src="http://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="http://i.imgur.com/vVRv5.png" border="0" alt="" title="Platinum Garden Club Member" width="120" height="80" align="right" />

Ruby:

<img src="http://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="http://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="http://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="http://i.imgur.com/40nIa.png" border="0" alt="" 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 your seedling to your profile. Send any mod a PM and we'll add it for you You can also use the "Report Inappropriate Content" function on the post to notify a Moderator, but indicate that you need __________ spade. (seedling, bronze, etc.)

Re: Garden Club March 2016

tcbofade — Tue, 01 Mar 2016 11:00:16 GMT

Good morning boys and girls. Happy March!

Hey pizza1, I'm number one AND two this morning.

Hope y'all have a happy, healthy, fruitful March in the garden.

Re: Garden Club March 2016

Anonymous — Tue, 01 Mar 2016 11:03:38 GMT

Good Morning everyone!

Hello Pizza! Where are you?

Hope everyone has a great day!

Re: Garden Club March 2016

EdMan63 — Tue, 01 Mar 2016 15:01:38 GMT

Hello gardeners. I wish I was still sleeping and not up tending to the garden but oh well. Happy March. Just realized it was one year ago today that I joined myFico. What a year its been as far as learning about credit and growing my credit profile. When I came here last year after learning I needed to wait a couple of years to apply for a mortgage due to a settlement/charge off I was frustrated. In response to being denied I had applied for a couple of credit cards and was approved. I then began to educate myself about credit and how to rebuild after suffering a set back. Never been one to have a lot of credit cards I added 4 since then to the tune of 60k. Not bad. Now I'm still gardening as my wife and I prepare to look for a new home next year.

Re: Garden Club March 2016

gibeon — Tue, 01 Mar 2016 11:18:00 GMT

OK... For realsies this time! I'm gonna do it!

I need to make it to December!

Re: Garden Club March 2016

Anonymous — Tue, 01 Mar 2016 11:20:11 GMT

Good morning and happy garden clubbing! Time to start looking around for a mortgage this month!

Re: Garden Club March 2016

Anonymous — Tue, 01 Mar 2016 11:20:35 GMT

Also, and this is incredibly important: In before Pizza!

Re: Garden Club March 2016

tcbofade — Tue, 01 Mar 2016 11:21:03 GMT

@gibeon wrote:
OK... For realsies this time! I'm gonna do it!

I need to make it to December!

LOL! If I had a nickel for everytime I've heard that....

...or even for everytime I've SAID that...

Welcome to the Garden. You can do this. It's simply a decision.

Re: Garden Club March 2016

tcbofade — Tue, 01 Mar 2016 11:22:44 GMT

@Anonymous wrote:
Also, and this is incredibly important: In before Pizza!

I know, right?

You know that poor girl stayed up all night waiting for this thread... I better be nice, she knows where I work.

Re: Garden Club March 2016

Anonymous — Tue, 01 Mar 2016 11:30:50 GMT

@tcbofade wrote:
@Anonymous wrote:
Also, and this is incredibly important: In before Pizza!
I know, right?

You know that poor girl stayed up all night waiting for this thread... I better be nice, she knows where I work.

So, now that it is March 1st, when does the pole vaulting equipment come out? Are you counting down the minutes?

Re: Garden Club March 2016

tcbofade — Tue, 01 Mar 2016 11:38:42 GMT

@Anonymous wrote:
@tcbofade wrote:
@Anonymous wrote:
Also, and this is incredibly important: In before Pizza!
I know, right?

You know that poor girl stayed up all night waiting for this thread... I better be nice, she knows where I work.
So, now that it is March 1st, when does the pole vaulting equipment come out? Are you counting down the minutes?

Waiting for noon before I pull my reports.

Still waiting for three accounts to update to the CRA's. One cut on Friday, the other two cut on Sunday... I'll be here in the garden until they update. Could be today, could be tomorrow... You'd think it would be yesterday.... Argh.

So, um... yes. I'm counting down the minutes.

Re: Garden Club March 2016

Anonymous — Tue, 01 Mar 2016 12:12:22 GMT

Happy March 1st everyone

Re: Garden Club March 2016

UncleB — Tue, 01 Mar 2016 12:12:23 GMT

Howdy, everybody!

I'm making my monthly stop in to say 'Hi', but I'm still not officially 'gardening'... you could say I'm not the commitment type.

I've not app'd for anything since November, but in a few months I have tentative plans so it would be insincere for me to call myself 'gardening' when I already know in a few months I'll be heading for the gate... LOL.

I hope all is well with everybody!

(And, am I the only one who can't believe it's already MARCH?)

Re: Garden Club March 2016

Anonymous — Tue, 01 Mar 2016 12:13:40 GMT

Good morning, GC! Sadly, my random leap day off of work came to an end. I must head off to work in a minute. But I did get an awesome new quilt and shower curtain, plus a lunch time date to my favorite little pizza place. Now time to get back to the real world.

Re: Garden Club March 2016

Anonymous — Tue, 01 Mar 2016 12:18:12 GMT

UncleB, lots of us have plans on leaving. That's part of the motivation to stay. Those plans are out goals, and those goals won't be realized by early jumps out.

Re: Garden Club March 2016

UncleB — Tue, 01 Mar 2016 12:22:31 GMT

@Anonymous wrote:
UncleB, lots of us have plans on leaving. That's part of the motivation to stay. Those plans are out goals, and those goals won't be realized by early jumps out.

Ah, I gotcha.

In that case, I'm in the right place after all! LOL

Re: Garden Club March 2016

tcbofade — Tue, 01 Mar 2016 12:29:19 GMT

@UncleB wrote:
@Anonymous wrote:
UncleB, lots of us have plans on leaving. That's part of the motivation to stay. Those plans are out goals, and those goals won't be realized by early jumps out.
Ah, I gotcha.

In that case, I'm in the right place after all! LOL

I, personally, have achieved the goal that I was waiting for, and am just waiting for the CRA's to become aware of that...when that happens, I am soooo out of here....

For a minute. Then I'll be back.

Re: Garden Club March 2016

tcbofade — Tue, 01 Mar 2016 12:34:40 GMT

So I was awake 30 minutes BEFORE my alarm clock went off this morning. I've had a pot of coffee and am now getting hungry.

I think I have some leftover pizza in the fridge... that'd be a good breakfast, don't you think? Hmmm. Maybe DW is planning to take some left over pizza for lunch today, I guess I should check.

Sure am missing pizza right now.

Re: Garden Club March 2016

Discover2016 — Tue, 01 Mar 2016 12:35:03 GMT

Checking in for March! Most of my inquiries hit 6mo old last night and got a nice boost! I picked up a United Club last month, very happy about that, now I am in the garden for a long time, Sept 2017 at the earliest.

Re: Garden Club March 2016

tcbofade — Tue, 01 Mar 2016 12:36:05 GMT

@Discover2016 wrote:
Checking in for March! Most of my inquiries hit 6mo old last night and got a nice boost! I picked up a United Club last month, very happy about that, now I am in the garden for a long time, Sept 2017 at the earliest.

18 months? That's an AWESOME goal. Good for you!