Credit Cards Center Credit cards from our partners
Reply
New Contributor
Posts: 52
Registered: ‎04-16-2013
0

please explain "Gardening"/"In the garden"?

I have seen this term a lot while reading on here. I looked over the abbreviations and could not find the meaning for this phrase.

All I can tell from reading on these tbreads, is it has something to do with not applying for new credit for an extended period of time?
Trying to garden again: Myfico Experian: 621, Myfico Equifax : 613, MyFico transunion: 639
Goal : 780

Established Contributor
Posts: 669
Registered: ‎11-13-2012
0

Re: please explain "Gardening"/"In the garden"?

Yes it's not applying for any cards or taking any hard pulls for anything... Gardening: growing what you have in terms of credit
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Moderator
Posts: 27,204
Registered: ‎09-13-2012
0

Re: please explain "Gardening"/"In the garden"?

[ Edited ]
+1
Getting CLI via SP's are definitely permitted. 😉
Frequent Contributor
Posts: 424
Registered: ‎01-14-2009
0

Re: please explain "Gardening"/"In the garden"?

Some guilty parties slip out of the garden, then sneak right back in with a seedling!  

 

 

 

 


No apps/new accts since 2011

***FICO EXPERIAN 830***
***FICO EQUIFAX 828***
***FICO TRANSUNION 822***




New Contributor
Posts: 52
Registered: ‎04-16-2013
0

Re: please explain "Gardening"/"In the garden"?

Ok That is what I thought ! I have a lot of gardening to do then, lol
I just added 3 new accounts in august last year (2 of which I regret and can't wait to close,or will have to sock drawer them&use,minimslly&pif just to esfablish more history) and will have had about 5 new inquiries (counting from the new cc's in august, plus this months hp for my approved discover 2,ooo cli,and hp denied cap1 cli request .
Trying to garden again: Myfico Experian: 621, Myfico Equifax : 613, MyFico transunion: 639
Goal : 780

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.