I have tried several ways including Not(isblank and now using the current as blank fields and ISBLANK, and 0s, now just with quotes... it won't read both coluumns. it is say complete, even if only one column is not blank. i have another column with a similar formula that works GREAT, but it doesn't involve date columns.
=IF(AND([BG Complete]@row = "", [PPHDS Completed]@row = ""), "Pending", "Complete")