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Garden Club - October 2018


Garden Club - October 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 yourself; a rank of "Member" is required to add HTML to your signature.  In this case 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 4,102
4,101 REPLIES 4,101
Community Leader
Super Contributor

Re: Garden Club - October 2018

Happy October guys and gals! Plan to close several cards here and trim my signature while adding some biz cards when I find the time. Now to let the GF have the laptop back she was only kind enough to let me post this. Garden hard!

Message 2 of 4,102

Re: Garden Club - October 2018

Happy October, everyone!  I’m still gardening strong, although I’ll be honest and admit that I may have spotted an escape route for November - someone has made me an offer I can’t refuse that changed my plans for January.  But for now, my head’s completely in the gardening game and the time spent here letting my accounts age (last new one was actually over 6 months ago and only 2 total this year) has really done wonders for my scores.  TU was at 776 for both BoA and Discover in September, so I can’t wait to pull my scores in a few days and see where I stand now!  Good luck with achieving your gardening goals, everyone!

Message 3 of 4,102
Valued Contributor

Re: Garden Club - October 2018

Happy October 🎃🎃🎃

Message 4 of 4,102
Senior Contributor

Re: Garden Club - October 2018

Page 1!


I'm still here and only 1 FICO 8 point from my goals.

FICO 8 Scores (11/11/19) | Equifax: 779 | TransUnion: 759 | Experian: 753 | Goal: CSR. I'll get you my pretty!
Gardening Since: 11/21/19 | Want cool stuff in your siggy? Visit for more details.
Message 5 of 4,102

Re: Garden Club - October 2018

Hi all!

Lowest Starting Score 2018: 522
Highest Current Score 2019: 744 FICO 9
Goal Score: 720 across the board

Take the myFICO Fitness Challenge

Lowest Starting Scores 2018:

522 TU FICO 8 02/2018
531 EX FICO 8 04/2018
550 EQ FICO 8 01/2018
616 EQ FICO 9 09/2018

Current Scores 1/20/2019:

708 TU FICO 8 1/20/2019
689 EX FICO 8 1/20/2019
708 EQ FICO 8 1/20/2019
744 EQ FICO 9 2/03/2019

$23,700 NFCU Flagship | $2,500 Discover It | $2,000 NFCU cashRewards | $500 Victoria Secret | $300 Kohls | 1% total utilization | Gardening until 10/2019

Message 6 of 4,102
Super Contributor

Re: Garden Club - October 2018

1st page !!

Happy October everyone


Nothing on the FICO calander for me until November so hopefully, this will be nice and quiet score wise



3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>09/2020 CCT EX 818 TU 826 EQ 840

I'd get it one piece at a time
And it wouldn't cost me a dime
You'll know it's me when I come through your town
I'm gonna ride around in style
I'm gonna drive everybody wild
'Cause I'll have the only one there is around.

- Johnny Cash One Piece At A Time
Message 7 of 4,102

Re: Garden Club - October 2018

Happy October, everybody!!  wavey_zps81xnuobx.gif

Message 8 of 4,102
Senior Contributor

Re: Garden Club - October 2018

I'm here! Checking in. Smiley Happy


Hope everyone is having a great after-summer! It actually rained a slight bit here last night. Not enough, but it was welcome.


Everything is holding steady on the credit front. No inquiries, still on track for gold next month. 


Garden hardy! Smiley Happy

Current Scores: EQ 679;TU 647; EX 679 Gardening since 11/7/18
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015
Message 9 of 4,102

Re: Garden Club - October 2018

Nice graphic for October, @UncleB!  No idea how @simplynoir beat me, though.  The refresh and paste game is strong with that one.  LOL

Message 10 of 4,102
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