Gardening for 2015 is certainly a goal I have and I hope everyone that is not seeking new credit is successful. 
It is great to see others setting the goal of gardening for 2015 as well! As I mentioned earlier, for the most part I used 2014 to tweak all the areas that I could (get CL's up, get Util extremely low and get a couple of lates removed). I feel that in my case it would be best to garden all of 2015 and let more time heal all the wounds from 2-3 years ago.
Wishing everyine a Happy FICO 2015! 
@EW800 wrote:
Hello Friends,
Anyone else planning to Garden all of 2015?
I won't be gardening the entire year, but I plan to grow the one card I have for 6 months and then apply for one additional. So....semi-gardening all year.
Yes, Gardening for me too... My score is very low..585,571,596 ..and BK 7 before 1.5 year. December 2014 I got 2 new CC, unsecured- Barclay Master rewards, and QS1. I also have Cap1 secured card , thats all..... Now I have to be a good girl ..
@Anonymous wrote:Yes, Gardening for me too... My score is very low..585,571,596 ..and BK 7 before 1.5 year. December 2014 I got 2 new CC, unsecured- Barclay Master rewards, and QS1. I also have Cap1 secured card , thats all..... Now I have to be a good girl ..
Welcome to the 2015 Gardening Club!
Thank you so much EW800 ! You gonna be my motivation this year !
Oct 2012 till today - Great Job !
Def gardening here,
Started repairing early 2014
Got two secured cards.. Cap1 @ $500 and USbank HD-Visa @ $300
Kept paying on time, in full for a whole year..
New years eve 2015
Applied for Cap1 Quicksilver, approved @ $500 and became UNSECURED!
Applied for AMERICAN EXPRESS Everyday Credit Card, approved @ $500 and got MSD 2015!
Also got authorized on my father's Amex Optima @ $5K for an extra treadline on the reports.
I'm going to be gardening for all 2015 and just waiting for CLI's and incoming offers for better cards.
I plan to garden for all of 2015 and 2016 (I hope lol
). I've been rebuiding my credit the past 9 months and have about 13 inquiries(auto loans and cc's) on each CRA. I backed out of the auto loan after approval of 5% APR because I didn't want take on any more long-term debt outside of student loans. I currently have two cc's-Cap One QS and Chase Freedom. I'm an AU on my DH Cap One QS and FNBO Plat Visa. Also, I have some pending disputes with the CRAs and some CO's to fall off that was initiated by the OC. I just want my report clean 
.
My scores as of Jan 2015 are EQ 647, TU 656, and EX 652. My first goal is to get 700s across the board!!!