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Garden Club Thread - December 2016


Garden Club Thread - December 2016

Welcome, 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 pulls 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 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. 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 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!

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



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



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



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



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



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



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



<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" 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, you may 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 use the "Report Inappropriate Content" function on the post to notify a Moderator, but indicate that you need __________ spade. (seedling, bronze, etc.)

Message 1 of 313
312 REPLIES 312
Established Contributor

Re: Garden Club Thread - December 2016

One month left and we will be in 2017. My plan stay in garden until I really need to leave.
Message 2 of 313
Super Contributor

Re: Garden Club Thread - December 2016

Checking in for the Christmas month of December.


Last app/card was Aug 5.


In a few days it will be 4 months in this garden.

Rebuild Begin 7/22-FICO alternating avg's 650 + -
Message 3 of 313
Established Contributor

Re: Garden Club Thread - December 2016

*walks back into the garden, shuts the door firmly to keep out the cold, then fires up the stove to make some hot cocoa*


Hey folks!


I'm back, and I'm really going to stay for a while this time...really...I have everything I need till about May, apps Smiley Very Happy


Last App: 11/23/2016


Next App: No earlier than 05/2017

Message 4 of 313
Regular Contributor

Re: Garden Club Thread - December 2016

Ahh I was doing so good until stepped out of the garden to app for PenFed. Give me two weeks to turn this seed into a spade!


Happy Gardening everyone as December is the last month to remember for 2016!!

In the garden until January 2019
Message 5 of 313
Senior Contributor

Re: Garden Club Thread - December 2016

December all ready!!! My oh my. Checking in!

Message 6 of 313
Community Leader
Senior Contributor

Re: Garden Club Thread - December 2016

I got to sit and figure out when my last app was... iv been in the garden for a few months now but not really checked in...

Been riding the Express SP CLI Train and for a bit iv actually lost the desire to app... 

Iv actually exceeded my credit goals for the year... Now just like to see my score go UP a bit... seems to have plateued... 

Really do not need anything else.... plan on taking a long vacation in the Garden....


Just want to make it over 750 on all three reports... 

Its interesting having choices of what card to use.... compared to just having a card... 


So time to live vicariously through others successes again..

Was able to make a large purchase with a 0% apr and 2% CB for 6mo... And just 3+  years ago i couldnt rent a car..







Message 7 of 313
Valued Contributor

Re: Garden Club Thread - December 2016

Checking in for December!Smiley Happy

Gardening until September 2019
Next app: Mortgage in September 2019
Message 8 of 313
New Contributor

Re: Garden Club Thread - December 2016

Checking in for December! Hope everyone is ready for the holidays. Put up the tree tonight and decorated the house! The house smells wonderful and the dog hasn't eaten any ornaments yet! Also getting my silver spade. Have you all finished shopping for the holidays??



Scores: FICO 08: EQ: 653(-7) / TU: 702(+42) / EX: 756(+6) Garden: 8/25/17
Message 9 of 313
Valued Contributor

Re: Garden Club Thread - December 2016

so everyone is telling me about all this great smoked bbq, interesting cocktails and stories to be found here - is this true or bs, just give it to me straight.  I have to be here for a year.  not normally what one would call a team player but I need the support so here I am.  my scores are so trashed that I cannot even update my sig.  really bad.  lease return and car loan in oct, csr 11/8, the only thing that went ok that day.  loan has not hit ex yet and csr has not reported.  waiting for the other shoe to drop, it might get ugly or more ugly if that is even possible.  I like margs, mojito's and a good manhattan.  bourbon is my goto.  I like traditional rioja, burgs and barolo.  I make a killer cheese soufflé if that counts for anything.  happy to be here

Message 10 of 313
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