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Hey Guys -
I'm new here... what does "gardening" mean in this forum?
Gardening is just not applying for credit for a certain period of time and utilizing soft pulls to grow your credit lines.
Here is an entire thread dedicated to it. Each month a new thread is started,
http://ficoforums.myfico.com/t5/Credit-Cards/Garden-Club-Meeting-April-2013/td-p/2014231