topic Re: Garden Club Meeting - March 2014 in Credit Cards

Garden Club Meeting - March 2014

Anonymous — Sat, 01 Mar 2014 15:14:11 GMT

Greetings, fellow credit gardeners! We've got a brand new month upon us. So, I hereby convene the March 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. This month we'll continue with the hot buffalo wings and sweet sesame wings. I'll be adding to that some cheese quesadillas, seven layer dip and chips, jalapeno poppers, hot meatballs and deviled eggs. 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!

Our club features 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. I'd also like to give thanks to Lexie09 for providing hospitality and help to members both old and new. You'll always find comraderie available here as you work towards your gardening goals.

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. We even have and Emergency Response Team (ERT) available to step in and help keep you on track!

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.

*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.

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

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" 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">

Palladium:
<img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/5761iE36E284CEECEA414" 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" />

Ruby:
<img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/5625i09098E9833D7A4B2" border="0" width="40" height="40" align="right">

Emerald:

Sapphire:
<img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/5627iA714E0C3C98AD3FD" border="0" width="40" height="40" 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 - March 2014

Anonymous — Sat, 01 Mar 2014 15:07:36 GMT

Checking in for at least part of March! If I don't end up finding a car I want, and getting my credit reports the way I want them.. I might actually get my next spade at the end of this month!

Re: Garden Club Meeting - March 2014

Anonymous — Sat, 01 Mar 2014 15:11:57 GMT

Checking in for March. Scores have been staying pretty steady. The big news for the month is that I'll be picking up my platinum spade on Tuesday! I'll have completed a year's worth of gardening, and for my efforts I have healthy scores and cards that have been growing nicely. It's been a great year.

Re: Garden Club Meeting - March 2014

Anonymous — Sat, 01 Mar 2014 15:19:34 GMT

@Anonymous wrote:
Checking in for March. Scores have been staying pretty steady. The big news for the month is that I'll be picking up my platinum spade on Tuesday! I'll have completed a year's worth of gardening, and for my efforts I have healthy scores and cards that have been growing nicely. It's been a great year.

Very nice!!! Pre-congratulations! Your scores in your signature are a testament to your hard work, and I can't wait to hear how much more of a bump you receive once those inquiries are a year old and no longer factoring into your scoring. I love gardening success stories!!

On a side note- please excuse my spelling errors. The spell check button hasn't worked for me in about 3 days!

Re: Garden Club Meeting - March 2014

Crisis — Sat, 01 Mar 2014 15:22:51 GMT

Hiya!

My last new tradeline was Feb 12, so I have a couple of weeks before I've been gardening a month (this time). I'm hoping to garden for about three more months to get a couple of 30 day lates off and lower my UTIL before apping for a car loan (my first! and first non-CC TL).

Re: Garden Club Meeting - March 2014

Crisis — Sat, 01 Mar 2014 15:24:18 GMT

@Anonymous wrote:
Checking in for March. Scores have been staying pretty steady. The big news for the month is that I'll be picking up my platinum spade on Tuesday! I'll have completed a year's worth of gardening, and for my efforts I have healthy scores and cards that have been growing nicely. It's been a great year.

Congratulations!

Re: Garden Club Meeting - March 2014

VanillaThunder — Sat, 01 Mar 2014 15:33:51 GMT

Checking in for March. Won't learn my scores for another 5 months at least.

Re: Garden Club Meeting - March 2014

myjourney — Sat, 01 Mar 2014 15:38:24 GMT

Count me in for March Wooo Hooo

Won't be around much today It's my birthday so have fun, stay strong and be nice GC

Re: Garden Club Meeting - March 2014

Rhaeny — Sat, 01 Mar 2014 15:40:27 GMT

Well, just checking in for March. Everything is going good.

Still a seedling and can't wait to move to the next stage and change my darn pic!!!!

LOL!!!

Re: Garden Club Meeting - March 2014

Rhaeny — Sat, 01 Mar 2014 15:40:51 GMT

@myjourney wrote:
Count me in for March Wooo Hooo
Won't be around much today It's my birthday so have fun, stay strong and be nice GC

Happy Birthday MyJourney!

Re: Garden Club Meeting - March 2014

Irisa — Sat, 01 Mar 2014 15:43:28 GMT

Good morning, club. Checking in for March. This is my 8th month in the garden.. Man, time flies when you're having fun.

Re: Garden Club Meeting - March 2014

myjourney — Sat, 01 Mar 2014 15:47:07 GMT

@Rhaeny wrote:
@myjourney wrote:
Count me in for March Wooo Hooo
Won't be around much today It's my birthday so have fun, stay strong and be nice GC
Happy Birthday MyJourney!

Thank you

Check in complete

Re: Garden Club Meeting - March 2014

myjourney — Sat, 01 Mar 2014 15:47:42 GMT

@Irisa wrote:
Good morning, club. Checking in for March. This is my 8th month in the garden.. Man, time flies when you're having fun.

Check in complete

Fun fun and more fun

Re: Garden Club Meeting - March 2014

myjourney — Sat, 01 Mar 2014 15:48:21 GMT

@VanillaThunder wrote:
Checking in for March. Won't learn my scores for another 5 months at least.

Check in for March complete

Re: Garden Club Meeting - March 2014

myjourney — Sat, 01 Mar 2014 15:49:23 GMT

@Anonymous wrote:
Checking in for March. Scores have been staying pretty steady. The big news for the month is that I'll be picking up my platinum spade on Tuesday! I'll have completed a year's worth of gardening, and for my efforts I have healthy scores and cards that have been growing nicely. It's been a great year.

Looking good tin

Your shuttle is fully fueled and ready for liftoff

Re: Garden Club Meeting - March 2014

Irisa — Fri, 28 Mar 2014 07:18:22 GMT

@myjourney wrote:
Count me in for March Wooo Hooo
Won't be around much today It's my birthday so have fun, stay strong and be nice GC

HAPPY BIRTHDAY MJ!!!!

Enjoy your day, dear friend!!

Re: Garden Club Meeting - March 2014

Anonymous — Sat, 01 Mar 2014 15:50:14 GMT

Checking in...

Silver spade on the 20th.

Re: Garden Club Meeting - March 2014

twist7d7 — Sat, 01 Mar 2014 15:50:51 GMT

Got my amex PRG in the mail today! Now it will be alittle easer to stay with this new shinny card in my wallet haha.

Re: Garden Club Meeting - March 2014

myjourney — Sat, 01 Mar 2014 15:51:09 GMT

@Anonymous wrote:
Checking in for at least part of March! If I don't end up finding a car I want, and getting my credit reports the way I want them.. I might actually get my next spade at the end of this month!

Check in complete and whatever you do you have our support Fancy

Re: Garden Club Meeting - March 2014

myjourney — Sat, 01 Mar 2014 15:51:50 GMT

@twist7d7 wrote:
Got my amex PRG in the mail today! Now it will be alittle easer to stay with this new shinny card in my wallet haha.

WTG got to love a new shiny Amex