topic Re: Garden Club - June 2018 in Credit Cards

Garden Club - June 2018

UncleB — Wed, 27 Jun 2018 22:23:48 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. 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 - June 2018

simplynoir — Fri, 01 Jun 2018 04:01:22 GMT

Happy June peeps! Still gardening strong since February and on track for July credit activity. We're almost half-way there guys hang in there.

Re: Garden Club - June 2018

UncleB — Fri, 01 Jun 2018 04:02:23 GMT

Happy June everybody!

Re: Garden Club - June 2018

shoegal — Fri, 01 Jun 2018 04:02:34 GMT

Happy June! I’m getting my bronze spade in 2 days!!💁🏻

Re: Garden Club - June 2018

Anonymous — Fri, 01 Jun 2018 04:02:53 GMT

Woohoo, it's June! The month of 100+ degree temps! Also, tomorrow is the last Friday I have to work until August!

Happy gardening, my friends!

Re: Garden Club - June 2018

K-in-Boston — Fri, 01 Jun 2018 04:06:47 GMT

May's over already? Happy June everyone! Still gardening with no current exit strategy. Let's see if I can get that silver spade!

Re: Garden Club - June 2018

Meanmchine — Fri, 01 Jun 2018 04:07:06 GMT

Well, at least I made it to the first page. Gonna be a fun day today (hopefully) checking for score changes and new cc offers. Happy June everyone

Re: Garden Club - June 2018

Discover2016 — Fri, 01 Jun 2018 04:11:55 GMT

Checking in for June! Looking forward to summer!

Re: Garden Club - June 2018

iheartwings — Fri, 01 Jun 2018 04:39:48 GMT

Hey fellow MFers,

Checking in for June.

Kept tabs on the May thread while in Europe. Notably, I love using contactless technology. Not so much for my card as it was that contactless terminals allowed for ApplePay, so I rarely had to pull out my CC, at least in the UK and Netherlands. Not so much in France.

In credit news, I continue to work on being the most boring gardener. I have a few HP that are falling off EQ (2) and EX (3) this month, and I'll dip back to 4/24 again, not that it matters since I have no need for any new credit cards.

Only one trip slated for this month to Reno...well, really Tahoe, but we're flying into Reno. Next month, Belize (and a new spade)!

After July, I'll need to figure out my next trip.

Re: Garden Club - June 2018

Anonymous — Fri, 01 Jun 2018 04:56:03 GMT

June im so exited ,,summer time baby

quick question guys whats your secrets to stay in garden ?

Re: Garden Club - June 2018

Anonymous — Fri, 01 Jun 2018 04:59:26 GMT

Happy June, everyone! Will have to update siggy from last week's field trip out.

Re: Garden Club - June 2018

Anonymous — Fri, 01 Jun 2018 05:00:35 GMT

@Anonymous wrote:
June im so exited ,,summer time baby
quick question guys whats your secrets to stay in garden ?

LOL, I don't know the secret yet. Let's wait for MFs to chime in.

Re: Garden Club - June 2018

Anonymous — Fri, 01 Jun 2018 05:06:54 GMT

Hi, Voltron, I am definitely not the best person to ask about gardening secrets. 😀

Re: Garden Club - June 2018

Meanmchine — Fri, 01 Jun 2018 05:08:20 GMT

Dang ..... Just tried Wallethub for TU FAKO score but it was a no-go. Message said they dont update scores til 6am.

Re: Garden Club - June 2018

Meanmchine — Fri, 01 Jun 2018 05:11:19 GMT

@Anonymous wrote:
June im so exited ,,summer time baby
quick question guys whats your secrets to stay in garden ?

Very simple. You need a definative goal with a well drawn map as to how to you get there.

Re: Garden Club - June 2018

Anonymous — Fri, 01 Jun 2018 05:12:30 GMT

Spent the last 1 hour of May and next 45 minutes of June trying to change insurance. Doctor Granny is very picky about insurance.

I got 1 policy changed before midnight so effective date 6/1. The other one kept asking to many questions so it ran into June and then at the end they said change in application coverage date to 7/1/18. Urge to kill

DW and I have spent the last 2 days dealing with person who does not follow insructions and lies every time you turn around. Very stressfull Lots of money on the table also. I may take the person this weekend to the rifle range. Why can't people just be honest Exsederan? headache #1234 the liar.

perhaps June will be quieter.

Re: Garden Club - June 2018

Caught750 — Fri, 01 Jun 2018 05:31:51 GMT

Well it has occurred to me, I still have some baddies to come off but my rebuild is nearly complete. I've gotten in with prime lenders, I've set a solid base of accounts, and I'm in a place where I can sit back to let things grow and age. By next April my reports will be nearly clean with only one major derog (short sale from a terrible divorce will be 6 years old). I have plans, a very solid timeline for them, and I think I'll be very firmly planted here for some time! 2020 has a mortgage in sight and I expect that by then my youngest accounts will be 14-16 months old, with no scorable inquiries, a clean file, and with any luck scores in the high 700s. I look forward to spending alot of time with you guys in the next 2 years. Happy June everyone!

Re: Garden Club - June 2018

Brian_Earl_Spilner — Fri, 01 Jun 2018 05:35:24 GMT

IBTL

My credit app withdrawals are starting to ease up.

Re: Garden Club - June 2018

Anonymous — Fri, 01 Jun 2018 08:36:08 GMT

Happy June! Made out of May resisting a Citi DC pre-qual. Holding out a couple months to hopefully get a better APR and a high SL.

Re: Garden Club - June 2018

EdMan63 — Fri, 01 Jun 2018 09:23:54 GMT

Happy June everyone. Summer is fast approaching though it’s been crazy hot here in MI already. I won’t complain cause we know it’s fleeting. My grass would beg to differ though. Still gardening strong with no apps in sight. Hope everyone has continued success with their credit endeavors.

Peace!!!