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Garden Club - July 2015

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Moderator

Garden Club - July 2015

Welcome, Garden Clubbers!  

 

Time flies. I cant believe we are already starting the second half of the year. Its a time of vacations for a lot of us now that the kids are out of school and of course a great celebration will occur on the 4th. I wish you all a fantastic safe and happy summer!


What is gardening? Quite simply, 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 inq's 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. Here we socialize, commiserate and support each other while waiting for baddies to fall off, new accounts and/or inq's age or just want a place to hang out to get away from the hustle and bustle of credit card talk.

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.

 

Help yourself to our drinks and appetizers. Flat-breads, sliders, pizza, buffalo wings, grilled zucchini, kale salads, pecan and apple pie Ala mode. There's also a nice selection of cold beers. Once again, please feel free to bring anything 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, Benadryl, 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 now be hosted by Yes-Its-Me who has recently assumed the role from Irish80 who had done a wonderful job with managing the buffet and bar. Everyone is welcome to hang out and either discuss the topic of choice or anything else that comes to mind. Feel free to 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. You'll always find camaraderie available here as you work towards your gardening goals. Thanks to Irish80 and myjourney both for contributing to this in the past.

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 and the discussion of which credit card to app for on another thread. While we are happy with members’ success stories, we really do want to keep this threads 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 inq's 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 any backdated account, 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. Also, for those who are seeking a new mortgage or refinancing an existing one, we understand that your lender will pull your CRs multiple times before closing. For those GC'ers, the first hp will set your clock, not the subsequent pulls. However, if you are simply rate shopping, then the normal hp rules apply.

You will be able to add the following to your siggy if you have been abiding 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: seedling-transparent.png

 

<img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/2760iB9166C1A493A3CBC" title="Seedling Garden Club Member" border="0" width="50" height="67" align="right">

 Bronze: 

 

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

 SIlver: 

 

<img src="http://i.imgur.com/Gfc4B.png" border="0" title="Silver Garden Club Member" width="40" height="40" align="right">

 Gold: 

 

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

 Palladium: 

 

<img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/5761iE36E284CEECEA414" title="Palladium Garden Club Member" border="0" width="40" height="40" align="right">

 Platinum: 

 

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

 Ruby: 

 

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

 Emerald: 

 

<img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/5623i698C4BF1F9D77284" border="0" width="40" title="Emerald Garden Club Member" height="40" align="right">

 Sapphire

 

<img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/5627iA714E0C3C98AD3FD" border="0" width="40" title="Sapphire Garden Club Member" height="40" align="right">

 Diamond

 

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


Just a reminder, if you are new to the forum chances are you will not be able to add your seedling to your profile. Send any mod a PM and we'll add it for you :smileywink: You can also report any post inappropriate in the GC and just state that you need __________ spade. (Be that seedling, bronze, etc.)

Message 1 of 1,480
1,479 REPLIES 1,479
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Senior Contributor

Re: Garden Club - July 2015

1st place! Smiley Very Happy

Ink Cash Signature $8.5k ~ Discover it $15k
Blue Cash Everyday $15k ~ Diamond Preferred $15k ~ Slate $17.5k ~ Sallie Mae WMC $24.5k
EQ 712 EX 716 TU 721




Message 2 of 1,480
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Super Contributor

Re: Garden Club - July 2015

I'm in until a better offer comes along Smiley Surprised

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 3 of 1,480
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Established Contributor

Re: Garden Club - July 2015

The garden bubble is sucking for me right now. SMH This is a long process--waiting for inquiries to drop. I've held out 12 lonely months with twelve more months living in the garden bubble. Good luck to all of the gardeners out there!

Life was a lot simpler when what we honored was father and mother, rather than all major credit cards. ~Robert Orben

SCORES: Excellent · 830 to 848
INQUIRIES: 0
UNIVERSAL REVOLVERS: $200K Club
NUMBER OF CC ACCOUNTS: Less than 10
CARD USAGE: Minimal
CREDIT HISTORY: Very Lengthy · Seasoned Accounts
INCOME: Sufficient
UTIL: 1-2%
PYMTS: 100% Positive · Always PIF · AZEO
INSTALLMENTS: No thanks!
ASSETS: 100% Equity
TOTALLY REFUSE TO: Pay Interest or Annual Fees, Combine Accounts, Reduce Limits, Submit 4506-T, SCT, App Spree, Accumulate Inquiries, Do business with Comenity, Synchrony, Cap One, Wells Fargo, Citi, Barclays or any other credit-cancerous lending institutions
Message 4 of 1,480
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Senior Contributor

Re: Garden Club - July 2015

Third? 

 

I'm still firmly in June trying to load my Starbucks cards! 

Message 5 of 1,480
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Super Contributor

Re: Garden Club - July 2015

Checking in and just checking up.

 

Gardening sux 4 me since i have the constitution (or craving) of a CredditAddict and Ron1 Smiley Very Happy but is necessary and i seem to have made it to 60 days without an app. New record!

 

I have my sights set on a 2nd Huntington 3% Voice MC and also Capital One is trying to lure me for another Venture or Quicksilver according to their prequal site but on that one i'm tking the SP CLI route on their current cards.

1234567
8910111213
Rebuild Begin 7/22-FICO alternating avg's 650 + - So in the drink for awhile UGH
1213444ind
Message 6 of 1,480
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Community Leader
Super Contributor

Re: Garden Club - July 2015

I am planting my seeding today. I plan to pay down my balances, let my accounts age, and stay here for 6 months. At that point I am going for an Amex Green/BCE combo (depending on my results with the green, I may or may not apply for the BCE immediately afterwards) and a Discover IT.

Last App: 8/24/2020
NFCU Secured Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 7 of 1,480
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Established Contributor

Re: Garden Club - July 2015


@CreditMagic7 wrote:

Checking in and just checking up.

 

Gardening sux 4 me since i have the constitution (or craving) of a CredditAddict and Ron1 Smiley Very Happy but is necessary and i seem to have made it to 60 days without an app. New record!

 

I have my sights set on a 2nd Huntington 3% Voice MC and also Capital One is trying to lure me for another Venture or Quicksilver according to their prequal site but on that one i'm tking the SP CLI route on their current cards.


Congrats to you CreditMagic on your 60 days!


Life was a lot simpler when what we honored was father and mother, rather than all major credit cards. ~Robert Orben

SCORES: Excellent · 830 to 848
INQUIRIES: 0
UNIVERSAL REVOLVERS: $200K Club
NUMBER OF CC ACCOUNTS: Less than 10
CARD USAGE: Minimal
CREDIT HISTORY: Very Lengthy · Seasoned Accounts
INCOME: Sufficient
UTIL: 1-2%
PYMTS: 100% Positive · Always PIF · AZEO
INSTALLMENTS: No thanks!
ASSETS: 100% Equity
TOTALLY REFUSE TO: Pay Interest or Annual Fees, Combine Accounts, Reduce Limits, Submit 4506-T, SCT, App Spree, Accumulate Inquiries, Do business with Comenity, Synchrony, Cap One, Wells Fargo, Citi, Barclays or any other credit-cancerous lending institutions
Message 8 of 1,480
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Established Contributor

Re: Garden Club - July 2015


@OmarGB9 wrote:
I am planting my seeding today. I plan to pay down my balances, let my accounts age, and stay here for 6 months. At that point I am going for anAmex Green/BCE combo (depending on my results with the green, I may or may not apply for theBCE immediately afterwards) and a Discover IT.

That's a great plan Omar. Keep encouraged and keep focused. Good luck with your discipline!


Life was a lot simpler when what we honored was father and mother, rather than all major credit cards. ~Robert Orben

SCORES: Excellent · 830 to 848
INQUIRIES: 0
UNIVERSAL REVOLVERS: $200K Club
NUMBER OF CC ACCOUNTS: Less than 10
CARD USAGE: Minimal
CREDIT HISTORY: Very Lengthy · Seasoned Accounts
INCOME: Sufficient
UTIL: 1-2%
PYMTS: 100% Positive · Always PIF · AZEO
INSTALLMENTS: No thanks!
ASSETS: 100% Equity
TOTALLY REFUSE TO: Pay Interest or Annual Fees, Combine Accounts, Reduce Limits, Submit 4506-T, SCT, App Spree, Accumulate Inquiries, Do business with Comenity, Synchrony, Cap One, Wells Fargo, Citi, Barclays or any other credit-cancerous lending institutions
Message 9 of 1,480
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Established Contributor

Re: Garden Club - July 2015


@HeavenlyFlower wrote:

1st place! Smiley Very Happy


Haha wow... jk jk Smiley Very Happy

Starting Score: (1/15)TU: 690 EX: 690 EQ: 711
Current Score: (10/18) TU-8: 813 EX-8: 808 EQ: 797
Goal Score: (7/20) 800+ for all three bureaus

Take the myFICO Fitness Challenge
Message 10 of 1,480
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