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

Garden Club Meeting - June 2013

Anonymous — Sat, 01 Jun 2013 14:00:53 GMT

Greetings, fellow credit gardeners! The new month has begun so, I hereby convene the June 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. As always, there is a snack table set up. Summer is upon us, so we're going to fire up the grill -- burgers, hot dogs, and kebobs are available for your dining pleasure! There's iced tea, lemonade and sodas, and if you like, a variety of ice cold beers. And as always, we have a selection of mini-quiches, as Relevate really likes them (we aim to please!). 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!

Our newest feature is a Friday night social. This will be hosted by myjourney, who has done such a wonderful job with managing the buffet and bar. He will present a mouthwatering dinner menu (with graphics!) and announce a discussion topic. Everyone is welcome to hang out and either discuss the topic or anything else that comes to mind. Feel free to let kick up your heels for the evening! The goal of the Friday night social is to enjoy getting to know each other and share in some fun.

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.

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/" border="0" width="50" height="67" align="right">

Bronze:
<img src="http://i.imgur.com/LEYWe.png" border="0" width="40" height="40" align="right">

SIlver:
<img src="http://i.imgur.com/Gfc4B.png" border="0" width="40" height="40" align="right">

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

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

Diamond:
<img src="http://i.imgur.com/40nIa.png" border="0" alt="" title="" 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!

Re: Garden Club Meeting - June 2013

Anonymous — Sat, 01 Jun 2013 14:05:29 GMT

June is off to a good start for me! I just pulled my scores, and my EQ score is up 10 points from yesterday, for a total of 15 points from the 1st of last month! Since I received a SW yesterday showing a 5 point boost from a balance updating, the only way that I can account for the additional 10 points is from aging. Gardening works!!! I'm also up 17 points from last month on my TU score. And in three more days, I'm going to pick up my silver spade... so happy!!!

Re: Garden Club Meeting - June 2013

parakleet — Sat, 01 Jun 2013 14:05:56 GMT

Ooh - do I get to be the first to post on the June GC?

What a great way to end the May GC with a rowdy Friday night social. I'm sure the June GC will even be more lively! I definitely want to stay in the garden for another couple of months at least. Yay for June!

Re: Garden Club Meeting - June 2013

Anonymous — Sat, 01 Jun 2013 14:06:39 GMT

@Anonymous wrote:
June is off to a good start for me! I just pulled my scores, and my EQ score is up 10 points from yesterday, for a total of 15 points from the 1st of last month! Since I received a SW yesterday showing a 5 point boost from a balance updating, the only way that I can account for the additional 10 points is from aging. Gardening works!!! I'm also up 17 points from last month on my TU score. And in three more days, I'm going to pick up my silver spade... so happy!!!

Awesome!

Re: Garden Club Meeting - June 2013

parakleet — Sat, 01 Jun 2013 14:07:47 GMT

@Anonymous wrote:
June is off to a good start for me! I just pulled my scores, and my EQ score is up 10 points from yesterday, for a total of 15 points from the 1st of last month! Since I received a SW yesterday showing a 5 point boost from a balance updating, the only way that I can account for the additional 10 points is from aging. Gardening works!!! I'm also up 17 points from last month on my TU score. And in three more days, I'm going to pick up my silver spade... so happy!!!

Wow that's very inspiring. I definitely want to get my scores over at least 740 before I start doing any app sprees. It sounds like I'm just going to have sit my behind in the GC for the summer! Congrats on your scores!

Re: Garden Club Meeting - June 2013

Rackham94 — Sat, 01 Jun 2013 14:09:02 GMT

Scores are slowly starting to come back up as my new accounts age accordingly D

AMEX Charge here I come.

Re: Garden Club Meeting - June 2013

Anonymous — Sat, 01 Jun 2013 14:11:47 GMT

@parakleet wrote:
@Anonymous wrote:
June is off to a good start for me! I just pulled my scores, and my EQ score is up 10 points from yesterday, for a total of 15 points from the 1st of last month! Since I received a SW yesterday showing a 5 point boost from a balance updating, the only way that I can account for the additional 10 points is from aging. Gardening works!!! I'm also up 17 points from last month on my TU score. And in three more days, I'm going to pick up my silver spade... so happy!!!
Wow that's very inspiring. I definitely want to get my scores over at least 740 before I start doing any app sprees. It sounds like I'm just going to have sit my behind in the GC for the summer! Congrats on your scores!

The funny thing is, it feels like you're doing nothing, but once you see your scores start to go up you begin to realize that gardening really is an active part of growing your scores. Part of the scoring formula includes the category of "New Credit," and if you just sit back and tend to what you have it will increase that part of the equation. Stay on your path, and your scores will get there!

Re: Garden Club Meeting - June 2013

Anonymous — Sat, 01 Jun 2013 14:16:23 GMT

Only 19 days away from Silver spade!!!

A lot of success for all people in the garden this month. Lets keep working towards our goals.

Re: Garden Club Meeting - June 2013

new_earth — Sat, 01 Jun 2013 14:25:58 GMT

I've come to the conclusion that I will *never* be in the garden LOL

Re: Garden Club Meeting - June 2013

asphaltcowboy — Sat, 01 Jun 2013 14:43:52 GMT

@Anonymous wrote:
June is off to a good start for me! I just pulled my scores, and my EQ score is up 10 points from yesterday, for a total of 15 points from the 1st of last month! Since I received a SW yesterday showing a 5 point boost from a balance updating, the only way that I can account for the additional 10 points is from aging. Gardening works!!! I'm also up 17 points from last month on my TU score. And in three more days, I'm going to pick up my silver spade... so happy!!!

Congrats tinuviel

Very nice

Re: Garden Club Meeting - June 2013

Gunnar419 — Sat, 01 Jun 2013 15:23:06 GMT

13 days from a silver spade.

Re: Garden Club Meeting - June 2013

Anonymous — Sat, 01 Jun 2013 15:25:05 GMT

Day 1!!! wooo rejoining the graden club til 6/1/2014- Next App will be chase freedom and bank of america better balance rewards

Re: Garden Club Meeting - June 2013

Anonymous — Sat, 01 Jun 2013 15:27:04 GMT

Ready for June!!!

Re: Garden Club Meeting - June 2013

CreditJunkie917 — Sat, 01 Jun 2013 15:41:18 GMT

It's been a good last month! Bronzing it up in 6 days, but hanging in the garden until November when I go after that AMEX charge!! Congrats to everyone one their progress now and in the future!!!

Re: Garden Club Meeting - June 2013

LS2982 — Sat, 01 Jun 2013 15:43:00 GMT

5 months in the Garden, Gold spade in the crosshairs!!

Re: Garden Club Meeting - June 2013

knoregs — Sat, 01 Jun 2013 15:44:46 GMT

Curious.... did all of my accounts just age 1 month today? Or do the days come into play? ~kn

Re: Garden Club Meeting - June 2013

cclee — Sat, 01 Jun 2013 15:54:45 GMT

@Anonymous wrote:
Day 1!!! wooo rejoining the graden club til 6/1/2014- Next App will be chase freedom and bank of america better balance rewards

Wow mnosal9, you did a great job increasing your scores in the last year! Congrats!

Re: Garden Club Meeting - June 2013

SSA_2013 — Sat, 01 Jun 2013 16:10:47 GMT

Well, I'm in the garden after picking up the CSP last night. I don't feel the need for anymore credit right now. I love the cards I have and will sit back and let the inquiries age off. I'm fortunate enough to have my collection of cards in a pretty short amount of time given that I had no credit 2 years ago.

Re: Garden Club Meeting - June 2013

mark293 — Sat, 01 Jun 2013 16:12:06 GMT

Howdy from Texas

Re: Garden Club Meeting - June 2013

lissa1184 — Sat, 01 Jun 2013 16:38:33 GMT

This is my very first post. I have been lurking here for months gathering information to help me obtain the right cards to start rebuilding. I am happy with the results I have thus far and am now in the garden for the next year while my accounts age.