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The Garden Club has Moved to Personal Finance

Moderator

The Garden Club has Moved to Personal Finance

The new thread for December can be found here: https://ficoforums.myfico.com/t5/Personal-Finance/Garden-Club-December-2018/td-p/5421277

 

Having the Garden Club in 'Credit Cards' is somewhat akin to having an AA meeting in the front of a bar, and having the thread in a forum that's not presenting constant temptation will help those who are genuinely serious about gardening.  Smiley Wink

 

More info can be found here.

 

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.

 
Be sure to join us in the new location!
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