HI there! If you read the first page of this topic, it will explain Gardening in detail http://ficoforums.myfico.com/t5/Credit-Cards/Garden-Club-Meeting-February-2014/td-p/2781177
Basically it's a spot where we congregate in order to spend time with out new applications. This gives us time to let inquiries age on our credit reports, pursue soft pull credit line increases, and avoid new applications / hard pulls for a set amount of time. This leaves us in a position to make sure when we do app again, we are more likely to get the best terms, rates, aprs, and limits possible.
625 EQ FICO Current Score: 660 DCU EQ FICO/ 645 Scorewatch EQ FICO , EX FICO 664, TU FICO 737 (08/2014)
Goal Score: 700 Seedling again as of 07/29/14
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
