What does "in the garden" mean?

[Anonymous]

What does in the garden mean?? i want to be in the garden too!

[Skye12329]

Means not to apply for anything that would cause a Hard Pull

[Anonymous]

Gardening means not applying for any new lines of credit. 

[Anonymous]

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@Anonymous wrote:

What does in the garden mean?? i want to be in the garden too!

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It means not applying for new credit.

There's some other stuff to it, but I didn't read the pamphlet.

[Anonymous]

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@Skye12329 wrote:
Means not to apply for anything that would cause a Hard Pull

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Wrong, as some store cards do not require HP, but are still absolutely considered a new tradeline and thus resets your garden date.

[SunriseEarth]

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@Anonymous wrote:

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@Skye12329 wrote:
Means not to apply for anything that would cause a Hard Pull

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Wrong, as some store cards do not require HP, but are still absolutely considered a new tradeline and thus resets your garden date.

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You're both right, actually.

Gardening is setting an amount of time where you will not take any action that either generates new HPs or new TLs (tradelines, accounts).   This is to help things age on your reports and may lead to a score increase.  Also, many lenders look favorably upon not having too many new accounts or attempts to seek credit.  

[Anonymous]

You need will of iron to stay in the garden, especially if you frequent this forum. That's why I never garden, real life or imaginary. 😁

[blessed-man1980]

I bet RedMiniStapler  has 100 INQ lol ..Not sure how to avoid INQ without the garden ..

[kdm31091]

The garden thread's first post offers some info on what gardening is and how to do it. It goes into pretty large detail.

In a nutshell I view it as no HPs and no new accounts/tradelines. SP CLIs are definitely okay, but nothing that generates a HP or new account.

[Anonymous]

Who the heck do you think I am? Creditaddict? 😆
I have 7 hits on tu and under 10 on equifax and experian.
I just don't announced on forum telling people that I'm in the garden, that way when I do app people don't say "but you're supposed to be in garden!", just think of me as that one weirdo standing outside the garden, and ready to run at a moments notice.