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

Garden Club Meeting - June 2014

09Lexie — Sun, 01 Jun 2014 23:38:52 GMT

Greetings! As we enter our sixth month together, we say goodbye to our friend and leader, Tinuviel. It was her inspiration and wisdom that formed our little club and for that, I'm eternally grateful.

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. June reminds me of summer, picnics and fairs. Feast on cold-ripened watermelon, there's a bobbing station set-up for crisp red apples, corn on the cob, potato salad, hot dogs, hamburgers and funnel cake! 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 - June 2014

09Lexie — Sun, 01 Jun 2014 17:11:55 GMT

I decided to keep our intro in honor of Tinuviel. Her words of inspiration are welcoming and what makes the Garden Club special.

good morning GCers!

Re: Garden Club Meeting - June 2014

-NewGuy- — Sun, 01 Jun 2014 16:55:17 GMT

Good morning Lexie. I think that's a great idea. We wouldn't have a GC without Tin. Starting with her words seems appropriate.

Re: Garden Club Meeting - June 2014

BigBS — Sun, 01 Jun 2014 16:55:49 GMT

Good afternoon, everyone!

Re: Garden Club Meeting - June 2014

Anonymous — Sun, 01 Jun 2014 18:22:38 GMT

Good afternoon GC. I hope everyone is having a relaxing weekend. I'm happy to be just a couple days away from getting my bronze spade back after getting a couple new lines early last month. I've missed my little spades I plan to be here until end of year unless my car gives out on me before then.

Re: Garden Club Meeting - June 2014

alinoapa — Sun, 01 Jun 2014 18:23:49 GMT

checking in for the month of June

Re: Garden Club Meeting - June 2014

Kennie02 — Sun, 01 Jun 2014 18:41:48 GMT

Hello GC!

Checking in for June. I can't wait to get my silver spade towards the end of this month... I can't say gardening is getting easier but when I look at what my goals are it seems worth it... I am hoping for a mortgage soon so I am keeping my fingers crossed and just waiting for my score to get higher...

Re: Garden Club Meeting - June 2014

chalupaman — Sun, 01 Jun 2014 18:44:11 GMT

Really gonna try aiming harder for that bronze spade and later the silver spade. Scores are slowly going up so that's a lot of motivation to try to stick to the garden for a while. Probably will start applying again in September or October.

Re: Garden Club Meeting - June 2014

coldnmn — Sun, 01 Jun 2014 19:17:30 GMT

Checking in for June!

Re: Garden Club Meeting - June 2014

lexandra90 — Sun, 01 Jun 2014 19:40:11 GMT

yayyyy! happy almost summer everyone, and I am finally a gold spade!! haha! when I was a seedling i never thought I could make it this long. gonna keep going 6 more months. I know I can do it bcus these 6 months went past like a breeze and I am very proud of myself....congrats to everyone and good luck to us all

Re: Garden Club Meeting - June 2014

LipzyDaizy — Sun, 01 Jun 2014 20:27:21 GMT

checking in for June!! started getting the itch to app but the cards I want are still out of my reach so I've been limiting my time on the forum. lol

Re: Garden Club Meeting - June 2014

azguy13 — Sun, 01 Jun 2014 20:52:35 GMT

Hey friends. I'm heading home after a great weekend of fishing up north. Hope all has been well while i was gone.

Also, I'm sad to hear about Tin stepping down. We will all miss her.

Re: Garden Club Meeting - June 2014

TRC_WA — Sun, 01 Jun 2014 21:19:46 GMT

Hey all!

I'm 3 weeks away from a silver spade.... And I'm expecting around a 10 point FICO gain when my BECU card reports in 2 weeks. I just paid my UTIL from 23% to 16%.

One year out of Ch 13 and I'm expecting 700 across the board soon!

Re: Garden Club Meeting - June 2014

knoregs — Sun, 01 Jun 2014 22:13:34 GMT

@09Lexie wrote:
I decided to keep our intro in honor of Tinuviel. Her words of inspiration are welcoming and what makes the Garden Club special.

good morning GCers!

What happened to Tinuviel?

~kn

Re: Garden Club Meeting - June 2014

coldnmn — Sun, 01 Jun 2014 22:19:52 GMT

@knoregs wrote:
@09Lexie wrote:
I decided to keep our intro in honor of Tinuviel. Her words of inspiration are welcoming and what makes the Garden Club special.

good morning GCers!
What happened to Tinuviel?

~kn

She gave up being moderator to many irons in the fire and felt there wasn't enough time for the GC.

Re: Garden Club Meeting - June 2014

FocusedAndDetermined — Sun, 01 Jun 2014 22:26:49 GMT

Hello and Happy 1st Day of June to the GC!

My participation has been very sporadic, but I have been thinking about my virtual family. Hope everyone is doing well and enjoying the transition from spring to summer.

I'm hoping that the relatively low number of posts last month means that there were few if any alerts issued. I've been too busy to even think about apping. I'm two thirds of the way back to gold.

Wishing everyone a good evening and a great Monday!

Re: Garden Club Meeting - June 2014

hot4u — Sun, 01 Jun 2014 22:31:31 GMT

@FocusedAndDetermined wrote:
Hello and Happy 1st Day of June to the GC!

My participation has been very sporadic, but I have been thinking about my virtual family. Hope everyone is doing well and enjoying the transition from spring to summer.

I'm hoping that the relatively low number of posts last month means that there were few if any alerts issued. I've been too busy to even think about apping. I'm two thirds of the way back to gold.

Wishing everyone a good evening and a great Monday

Virtual Family checking In
Haven't seen many Red alerts/Alligators in Awhile...

Re: Garden Club Meeting - June 2014

knoregs — Sun, 01 Jun 2014 22:34:54 GMT

@coldnmn wrote:
@knoregs wrote:
@09Lexie wrote:
I decided to keep our intro in honor of Tinuviel. Her words of inspiration are welcoming and what makes the Garden Club special.

good morning GCers!
What happened to Tinuviel?

~kn
She gave up being moderator to many irons in the fire and felt there wasn't enough time for the GC.

Good deal... the GC goes on!

~kn

Re: Garden Club Meeting - June 2014

coldnmn — Sun, 01 Jun 2014 22:36:41 GMT

@FocusedAndDetermined wrote:
Hello and Happy 1st Day of June to the GC!

My participation has been very sporadic, but I have been thinking about my virtual family. Hope everyone is doing well and enjoying the transition from spring to summer.

I'm hoping that the relatively low number of posts last month means that there were few if any alerts issued. I've been too busy to even think about apping. I'm two thirds of the way back to gold.

Wishing everyone a good evening and a great Monday!

Hi Focused I have been busy also. Life does that at times. Have a good summer and enjoy the gardening.

Re: Garden Club Meeting - June 2014

myjourney — Sun, 01 Jun 2014 22:41:15 GMT

I'm checking in for the month of June

I rarely update since I'm garden strong and loving it but this is a special month for me.

So here's my credit update

June 2 (tomorrow)

1 card turns 2 years old (CAP1) personal 3 HP's drop off

June 6

1 card turns 2 years old (CAP1) business 3 HP's drop off

June 6

4 cards cards turn 1 year old and the HP's lose there scoring factor

June 6

1 year INQ free

By the middle of June INQ's will be

EX 2 EQ 2 TU 2

EQ will lose another INQ in August

Due to the drop in INQ's and 4 cards turning 1 year old I'm looking for a heck of a scoring bump....we shall see