Alliant said “go to garden”

[Anonymous]

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@CreditCuriosity wrote:

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@Anonymous wrote:

Just got off the phone with Langley and they denied me because I have added too many accounts. The good news is that I fit their criteria otherwise so a trip to the garden means I will pick the card up no problem. I didn't want to try to recon it. Honestly I don't need another new account right now. 

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Glad to hear about langley if you can chill on apping like myself, but i hightly doubt i can do it myself ..  my student loans mess me all up with regards to DTI.. I will die with those friggers at 3.x% interest rate fixed.  No hurry to pay those off and income goes up every year and other stuff gets payed off so will be below 30% dti march of next year regardless of SL's.  

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Yeah student loans can really mess up *everything* which makes me glad mine are gone. I don't blame you with that low interest though!

I am not sure I will even be interested in the card when I next come out of the garden. There are cards with SUBs to get still 😂 

[Anonymous]

What does that mean? Go to garden?

[CreditInspired]

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@Anonymous wrote:
What does that mean? Go to garden?

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Hi and welcome to myFICO

The Garden is a forum created by one of our favorite mods, @UncleB . It was created as a great place for members to go when they want to interact with other forum members and also tend to their credit profile. 

The Garden starts afresh the first of every month and here is the link to September’s garden, which explains in detail how everything works. 

https://ficoforums.myfico.com/t5/Personal-Finance/Garden-Club-September-2019/td-p/5728714

In the garden, we communicate, commiserate, and educate. 😁And in the garden we can be as silly as all that. 😆

I have been gardening now for 9 months and earned my Palladium spade just today. My goal is to stay in the garden until April 2020 because I’m focusing on increasing my scores to 800+ across all 3 CRs. 

[SEAlifer]

Yeah, the thing about credit is that they will only let you go so far, right? You've got a healthy portfolio for now, gardening should show pretty quick benefits to your credit score as you rack up the on time payments.

[Anonymous]

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@SEAlifer wrote:

Yeah, the thing about credit is that they will only let you go so far, right? You've got a healthy portfolio for now, gardening should show pretty quick benefits to your credit score as you rack up the on time payments.

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It’s not even just that. My BK falls by August next year. My score will skyrocket if I stop applying for credit and let it ride. I’m going to do my best but @UncleB can tell you how great I am at gardening. I “entered the garden” in December when I got my BBVA card... my signature is chronological order so it’s clear to see I didn’t do any substantial gardening, hence the honor of the garden club recycle bin haha. 

[CreditInspired]

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@SEAlifer wrote:

Yeah, the thing about credit is that they will only let you go so far, right? You've got a healthy portfolio for now, gardening should show pretty quick benefits to your credit score as you rack up the on time payments.

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If “letting me go so far” means an 850 score, I’m game 😁.

It takes more than “racking up the on time payments” to create a healthy portfolio—for me anyway. It’s a constant continuation of making sure that there are no weak links in the chain—not even one. It takes hard work, diligence, and patience to create a healthy profile. It’s not easy to not apply when you see your scores increasing. It’s easier to pad UT vs PIF—a habit I needed to break and did so. It’s so much easier to apply for credit when you’re confident you’ll be approved. But the hard part is having the willpower to “just say no” to that urge. 

I call gardening my personal Game of Goals. 

[CreditInspired]

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@Anonymous wrote:

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@SEAlifer wrote:

Yeah, the thing about credit is that they will only let you go so far, right? You've got a healthy portfolio for now, gardening should show pretty quick benefits to your credit score as you rack up the on time payments.

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It’s not even just that. My BK falls by August next year. My score will skyrocket if I stop applying for credit and let it ride. I’m going to do my best but @UncleB can tell you how great I am at gardening. I “entered the garden” in December when I got my BBVA card... my signature is chronological order so it’s clear to see I didn’t do any substantial gardening, hence the honor of the garden club recycle bin haha. 

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And your recycle bin is sooooo cute. 😁 Is that something one of the mods created?

[Anonymous]

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@CreditInspired wrote:

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@Anonymous wrote:

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@SEAlifer wrote:

Yeah, the thing about credit is that they will only let you go so far, right? You've got a healthy portfolio for now, gardening should show pretty quick benefits to your credit score as you rack up the on time payments.

---

It’s not even just that. My BK falls by August next year. My score will skyrocket if I stop applying for credit and let it ride. I’m going to do my best but @UncleB can tell you how great I am at gardening. I “entered the garden” in December when I got my BBVA card... my signature is chronological order so it’s clear to see I didn’t do any substantial gardening, hence the honor of the garden club recycle bin haha. 

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And your recycle bin is sooooo cute. 😁 Is that something one of the mods created?

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It's a @K-in-Boston original lol. 

It's funny because when the origin of it was being discussed, I said I would never end up with that many accounts......

Yeah 9 months later 🤣

[CreditInspired]

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@Anonymous wrote:

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@CreditInspired wrote:

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@Anonymous wrote:

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@SEAlifer wrote:

Yeah, the thing about credit is that they will only let you go so far, right? You've got a healthy portfolio for now, gardening should show pretty quick benefits to your credit score as you rack up the on time payments.

---

It’s not even just that. My BK falls by August next year. My score will skyrocket if I stop applying for credit and let it ride. I’m going to do my best but @UncleB can tell you how great I am at gardening. I “entered the garden” in December when I got my BBVA card... my signature is chronological order so it’s clear to see I didn’t do any substantial gardening, hence the honor of the garden club recycle bin haha. 

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And your recycle bin is sooooo cute. 😁 Is that something one of the mods created?

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It's a @K-in-Boston original lol. 

It's funny because when the origin of it was being discussed, I said I would never end up with that many accounts......

Yeah 9 months later 🤣

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😂🤣😆

WTG @K-in-Boston   I love that seedling recycle bin. 

[UncleB]

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@CreditInspired wrote:

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@Anonymous wrote:
What does that mean? Go to garden?

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Hi and welcome to myFICO

The Garden is a forum created by one of our favorite mods, @UncleB . It was created as a great place for members to go when they want to interact with other forum members and also tend to their credit profile. 

The Garden starts afresh the first of every month and here is the link to September’s garden, which explains in detail how everything works. 

https://ficoforums.myfico.com/t5/Personal-Finance/Garden-Club-September-2019/td-p/5728714

In the garden, we communicate, commiserate, and educate. 😁And in the garden we can be as silly as all that. 😆

I have been gardening now for 9 months and earned my Palladium spade just today. My goal is to stay in the garden until April 2020 because I’m focusing on increasing my scores to 800+ across all 3 CRs. 

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Such kind words (your check is in the mail!) but as much as I would like to be able to claim the Garden Club as my own brainchild it actually predates me on the forum... the concept was created years before my arrival here. 

Whichever mod happens to be around on the first of the month starts the new thread, and for a while it has just happened to be me.