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Garden Club Meeting - October 2012

Moderator Emeritus

Garden Club Meeting - October 2012

Greetings, fellow credit gardeners! Autumn is upon us as we start a new month. And so, I hereby convene the October 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. In honor of Oktoberfest, we have a German themed buffet for your dining pleasure! Offerings include an assortment of sausages -- bratwurst, knockwurst and weiners -- along with bavarian sauerkraut and german potato salad. For those with hearty appetite, we also have rindsrauladen (stuffed beef rolls), spatzle and red cabbage. To accompany, we have a good selection of imported german and domestic beers, along with a choice of soft drinks.For dessert we have black forest cake, apple strudel and linzer tarts. We have an appetizer selection consisting of salmon pate on rye crisps, sweet potato spinach stuffed triangles, and as always, an assortment of mini-quiches. Please feel free to bring and add any items that you'd like. And, in the corner diagonally across from the front door, there is a fully stocked bar. 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! 

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 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: 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.

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

12 months  - platinum 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.


I'd like to express my appreciation to DaveSignal for coming up with some spade graphics that you can embed in your siggy in order to display your status. Thanks, DS -- great job!!!




<img src="" border="0" width="75"  height="100" align="right">



<img src="" border="0" width="40"  height="40" align="right">



line to put at top of sig: 

<img src="" border="0" width="40"  height="40" align="right">



line to put at top of sig: 

<img src="" border="0" width="40"  height="40" align="right">



line to put at top of sig:

<img src="" border="0" alt="" title="" width="120" height="80" align="right" />


line to put at top of sig:

<img src="" border="0" alt="" title="" width="40" height="40" align="right" />



So, how's everyone's garden doing this month? Please feel free to mix and mingle, and share your gardening goals as well as your progress on the journey.

Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 1 of 338
Mega Contributor

Re: Garden Club Meeting - October 2012

I'm still here, waiting to pick my bronze spade back up!

My BT took too long to report and now I'm stuck with an extra 4k in false debt for the month Smiley Sad

EQ FICO 548 3/3/16
Message 2 of 338
Established Contributor

Re: Garden Club Meeting - October 2012

I'm in!


Still waiting on the new CSP to hit the CRAs, and will surely take a FICO hit for that - otherwise just hanging out.  I'm trying to think of ways to achieve the $3000 spend in 90 days requirement so I'll get my 40,000 points.


I can do it, but it just means that I will have to extend my payoff plan a little longer (I've been obsessive with paying off revolving debt this year, and I don't like the idea of getting off track), but I'm going to have to do it if I want the points.  I have everything transferred to 0% BT cards now anyway, so I'm paying no interest on my remaining CC debt ($8,000 left - down from $25,000 at the beginning of the year).Smiley Happy


I will also pick up a bronze spade on 10/16, so life is good...

Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Message 3 of 338
Regular Contributor

Re: Garden Club Meeting - October 2012

LS2982 wrote:
I'm still here, waiting to pick my bronze spade back up!

My BT took too long to report and now I'm stuck with an extra 4k in false debt for the month Smiley Sad

That sucks man that nothing could be done!

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit Smiley Happy
Message 4 of 338
Regular Contributor

Re: Garden Club Meeting - October 2012

Restating my goal: no apps until I buy a house. Hoping to have a down payment saved up sometime next year. This is going to be tough. No apps + tight budget. But it'll all be worth it when I get the keys to my first house sometime in the near future.
Amex BCP $20k | PenFed Platinum Rewards VS $16.5k | Amex HHonors $10k
Message 5 of 338
Moderator Emeritus

Re: Garden Club Meeting - October 2012

Still gardening...  Hoping to make it back to bronze again!


I am still in the process of refinancing my rental property.  Plan on apping for a new car loan in Nov or Dec.   My # of inquiries have gone from 18+ down to 8-9...  Gardening is great!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!

Take the myFICO Fitness Challenge
Message 6 of 338
Established Contributor

Re: Garden Club Meeting - October 2012

Still here and sticking with the plan of no apps til January.  I expect a bronze spade this month!

Message 7 of 338
Frequent Contributor

Re: Garden Club Meeting - October 2012

It's about time I settle in here for some time Smiley Happy

Time to sit back and watch the fruits of my labor (it takes a lot to fill out CC apps Smiley Wink ) grow my scores! Happy to be here for the first time ever. A virgin gardener has emerged!

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Message 8 of 338
Valued Contributor

Re: Garden Club Meeting - October 2012

Still in the garden, expect to be untill January, keep debating about APing then, 38k in total CL is enough, but I would like a CSP card.

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 32.5k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 12.5k, Paypal Extras MC 8.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 9 of 338
Super Contributor

Re: Garden Club Meeting - October 2012

Still app free. Awaiting a possible PC with Cap One

Message 10 of 338