Gardening is the process of not applying for credit that results in a Hard Pull(HP) on your credit report. Everytime you have a hard pull your score drops a little bit, also by allowing your accounts to age your score will boost as you get points for the average age of accounts.
There are the monthly gardening threads, look in those and the first post explains the process.
Joined the Garden Club 6/1/13 hopefully for a year! Keep me motivated!
Welcome to the forum and a great big welcome to the garden!!!