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Garden Club - June 2018


Garden Club - June 2018




Garden Club Members! 



Welcome all new GCers, returning GCers and old timers to our little island of "No Credit Applications"!


What is gardening?  Quite simply, it involves refraining from applying for new credit or seeking CLIs that require hard pulls. Soft pull CLIs, however, are not only acceptable, but are encouraged. The idea is to allow one's current trade lines to grow and mature, waiting for inquiries to age or fall off, and possibly waiting for "baddies" to be removed/age off. During this time, one tends to one's current accounts and watches their AAoA (average age of accounts) 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 inquiries to age or if we 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. You'll always find camaraderie available here as you work towards your gardening goals.


Help yourself to our drinks and appetizers. Flat-breads, sliders, pizza, buffalo wings, grilled zucchini, kale salads, pecan and apple pie à la 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!

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.

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 SP CLIs in this thread, as they do not involve inquiries or apps for new credit.



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 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.


Also, for those who are seeking a new mortgage or refinancing an existing one, we understand that your lender will pull your credit reports 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
18 months - emerald
21 months - sapphire
24 months or more - diamond


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 add the code, click 'My Settings', then 'Personal Information', then paste the code into the 'Signature' box.  When you're finished, be sure to click 'Save' at the bottom of the page!  


*New forum members may be unable to add/edit HTML; see note below.

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="" title="Seedling Garden Club Member" border="0" width="50" height="67" align="right">

 Bronze: BronzeSpade.png


<img src="" border="0" title="Bronze Garden Club Member" width="40" height="40" align="right">

 Silver: SilverSpade.png


<img src="" border="0" title="Silver Garden Club Member" width="40" height="40" align="right">

 Gold: GoldSpade.png


<img src="" border="0" title="Gold Garden Club Member" width="40" height="40" align="right">

 Palladium: palladium.png


<img src="" title="Palladium Garden Club Member" border="0" width="40" height="40" align="right">

 Platinum: PlatinumSpade.png


<img src="" border="0" title="Platinum Garden Club Member" width="120" height="80" align="right">

 Ruby: ruby.png


<img src="" border="0" title="Ruby Garden Club Member" width="40" height="40" align="right">

 Emerald: emerald.png


<img src="" border="0" width="40" title="Emerald Garden Club Member" height="40" align="right">



<img src="" border="0" width="40" title="Sapphire Garden Club Member" height="40" align="right">



<img src="" border="0" 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 you may not be able to add a seedling or spade to your profile.  Send any moderator a PM and we'll add it for you.  Smiley Wink


You can also use the "Report Inappropriate Content" option on any post to notify a moderator; be sure to indicate that you need __________ spade. (seedling, bronze, etc.)


Message 1 of 3,863
Community Leader
Senior Contributor

Re: Garden Club - June 2018

Happy June peeps! Still gardening strong since February and on track for July credit activity. We're almost half-way there guys hang in there. Smiley Tongue

FICO 08 Scores (Nov-18): TU 783, EQ 791, EX 771

Message 2 of 3,863

Re: Garden Club - June 2018

Happy June everybody!  wavey_zps81xnuobx.gif

Message 3 of 3,863
Valued Contributor

Re: Garden Club - June 2018

Happy June! I’m getting my bronze spade in 2 days!!💁🏻

Gardening Goal: Waiting out the last derogs until April 2019
Message 4 of 3,863
Community Leader
Senior Contributor

Re: Garden Club - June 2018

Woohoo, it's June! The month of 100+ degree temps! Smiley Very Happy Also, tomorrow is the last Friday I have to work until August! 


Happy gardening, my friends! Smiley Happy

Current Scores------ EQ 680; TU 659; EX 684 FICO 08--- Gardening since 11/7/18
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge
Message 5 of 3,863

Re: Garden Club - June 2018

May's over already?  Happy June everyone!  Still gardening with no current exit strategy.  Let's see if I can get that silver spade!

Message 6 of 3,863
Valued Contributor

Re: Garden Club - June 2018

Well, at least I made it to the first page. Gonna be a fun day today (hopefully) checking for score changes and new cc offers. Happy June everyone

3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>01/2019 CCT EX 804 TU 822 EQ 812
Thus will it come to pass. The Dying Leader will know the truth of the Opera House. The missing Three will give you the Five, who've come from the Home of the Thirteenth. You are the Harbinger of Death, Kara Thrace. You will lead them all to their End. End of line.
Message 7 of 3,863
Valued Contributor

Re: Garden Club - June 2018

Checking in for June! Looking forward to summer!

Gardening until September 2019
Next app: Mortgage in September 2019
Message 8 of 3,863
Established Contributor

Re: Garden Club - June 2018

Hey fellow MFers,


Checking in for June.


Kept tabs on the May thread while in Europe. Notably, I love using contactless technology. Not so much for my card as it was that contactless terminals allowed for ApplePay, so I rarely had to pull out my CC, at least in the UK and Netherlands. Not so much in France.  


In credit news, I continue to work on being the most boring gardener. I have a few HP that are falling off EQ (2)  and EX (3) this month, and I'll dip back to 4/24 again, not that it matters since I have no need for any new credit cards. Smiley Happy 


Only one trip slated for this month to Reno...well, really Tahoe, but we're flying into Reno. Next month, Belize (and a new spade)! 

After July, I'll need to figure out my next trip. 

Garden Club Member since 01/20/2019
Message 9 of 3,863
Valued Contributor

Re: Garden Club - June 2018

June im so exited ,,summer time baby

quick question guys whats your secrets to stay in garden ?

1-2019 / Fico 8 EX 794 , EQ 801 , TR 802
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 10 of 3,863