topic Re: Garden Club Meeting - April 2013 in Credit Cards

Garden Club Meeting - April 2013

Anonymous — Mon, 01 Apr 2013 01:41:28 GMT

Greetings, fellow credit gardeners! The new month begins tomorrow, but I usually like to start the night before the first of the month, as I'm not much of a morning person and as we recently learned on another thread, it's best not to do anything before coffee. And so, I hereby convene the April meeting of the myFICO Garden Club.

For those who are new to the concept of gardening, 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 TLs to grow and mature, waiting for inqs to age or fall off, and possibly waiting for "baddies" to be removed or age off. During this time, one tends to one's current accounts and watches their AAoA grow and the new credit ding fade.

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. One of our members, myjourney, did a wonderful job last week with the buffet and I hope that he'll continue to contribute his catering skills. In the meantime, I'm going to set out some asian potstickers, sweet sesame wings, a dish of cold Thai noodle salad, and some peel and eat shrimp. And as always, we have mini-quiches (enjoy, Relevate!). There's also a nice selection of cold beers. Once again, please feel free to bring and add anything that 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, Benedryl, 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!

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 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 soft CLIs on this thread, though, as they do not involve inqs 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 backdated Amex 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.

You will be able to add the following to your siggy if you have abided 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

12 months - platinum 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.

Seedling:

Bronze:

SIlver:

line to put at top of sig:

Gold:

line to put at top of sig:

Platinum:

line to put at top of sig:

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

Diamond:

line to put at top of sig:

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!

Re: Garden Club Meeting - April 2013

LS2982 — Mon, 01 Apr 2013 01:42:01 GMT

6 days to silver!!!

Re: Garden Club Meeting - April 2013

webhopper — Mon, 01 Apr 2013 01:42:29 GMT

1 day til silver

Re: Garden Club Meeting - April 2013

myjourney — Mon, 01 Apr 2013 01:43:22 GMT

Silver today

Re: Garden Club Meeting - April 2013

LS2982 — Mon, 01 Apr 2013 01:45:12 GMT

Im jealous......

Re: Garden Club Meeting - April 2013

myjourney — Mon, 01 Apr 2013 01:46:42 GMT

@LS2982 wrote:
Im jealous......

Your next I got your back

Re: Garden Club Meeting - April 2013

FocusedAndDetermined — Mon, 01 Apr 2013 01:52:30 GMT

Still here. I will earn my bronze on 4/12.

...and months to go before I app.

Re: Garden Club Meeting - April 2013

tcbofade — Mon, 01 Apr 2013 01:55:35 GMT

Howdy, howdy boys and girls.

Still app free since August...I'll confess that I'm struggling a bit tho.

...trying to hold out til August!

Re: Garden Club Meeting - April 2013

myjourney — Mon, 01 Apr 2013 01:56:14 GMT

@FocusedAndDetermined wrote:
Still here. I will earn my bronze on 4/12.

...and months to go before I app.
...and months to go before I app.

Your doing great looking forward to seeing the bronze 4/12

Re: Garden Club Meeting - April 2013

indiolatino61 — Mon, 01 Apr 2013 01:59:36 GMT

Keep it up everyone. I'm up to 7 weeks, and boy does my app finger itch!!! I WILL NOT app until January, 2014...with your help and encouragement, of course.

Re: Garden Club Meeting - April 2013

Anonymous — Mon, 01 Apr 2013 01:57:00 GMT

I'm new to the club. I want no app's until I apply for a mortgage in 2 years!!

Re: Garden Club Meeting - April 2013

starry1 — Mon, 01 Apr 2013 01:57:01 GMT

I'm a little sad to see March go. I've accomplished all my big post-bk milestones that will generate the big bumps, I've obtained four accounts and all are reporting as of today, and my reports are as spanking clean as they can get. I got a 10 point bump today that put me over my goal score, so now I have to figure out what my next goals are. On the positive side, I don't feel that sense of urgency to get everything fixed and positive lines going, so maybe the rest of my gardening period will be easier to take.

Re: Garden Club Meeting - April 2013

myjourney — Mon, 01 Apr 2013 01:57:26 GMT

@tcbofade wrote:
Howdy, howdy boys and girls.

Still app free since August...I'll confess that I'm struggling a bit tho.

...trying to hold out til August!

Stay strong

Re: Garden Club Meeting - April 2013

indiolatino61 — Mon, 01 Apr 2013 02:00:33 GMT

@Anonymous wrote:
I'm new to the club. I want no app's until I apply for a mortgage in 2 years!!

I hope to see you with that Diamond!

Re: Garden Club Meeting - April 2013

09Lexie — Mon, 01 Apr 2013 02:01:52 GMT

Checking in after a beautiful day! Myjourney, no holiday feast for us?

Re: Garden Club Meeting - April 2013

myjourney — Mon, 01 Apr 2013 02:02:18 GMT

@Anonymous wrote:
I'm new to the club. I want no app's until I apply for a mortgage in 2 years!!

Welcome to the garden may all your dreams come true

Re: Garden Club Meeting - April 2013

starry1 — Mon, 01 Apr 2013 02:02:39 GMT

I'd love to see a diamond spade in here! I'm picking up my very first bronze spade on the 11th.

Re: Garden Club Meeting - April 2013

myjourney — Mon, 01 Apr 2013 02:03:52 GMT

@starry1 wrote:
I'm a little sad to see March go. I've accomplished all my big post-bk milestones that will generate the big bumps, I've obtained four accounts and all are reporting as of today, and my reports are as spanking clean as they can get. I got a 10 point bump today that put me over my goal score, so now I have to figure out what my next goals are. On the positive side, I don't feel that sense of urgency to get everything fixed and positive lines going, so maybe the rest of my gardening period will be easier to take.

You had a great month and now you will see the fruits of your labor grow

Re: Garden Club Meeting - April 2013

starry1 — Mon, 01 Apr 2013 02:04:49 GMT

@09Lexie wrote:
Checking in after a beautiful day! Myjourney, no holiday feast for us?

Oof, I'm already stuffed, but I wouldn't turn down a small drink.

Re: Garden Club Meeting - April 2013

myjourney — Mon, 01 Apr 2013 02:04:59 GMT

@09Lexie wrote:
Checking in after a beautiful day! Myjourney, no holiday feast for us?

Request night what would you like?