Welcome to the forum.
The following information in quotes will answer your question. It was found on the Board. Folks here are more than helpful. The search bar is a wonderful tool. Questions we have may already been answered. I use it quite often. LOL
"...it involves refraining from applying for new credit or seeking CLIs that require hard pulls. Soft pulls CLIs, however, are not only acceptable, but are encouraged. The idea is to allow one's current TLs to grow and mature, waiting for inqs to age or fall off, and possibly waiting for "baddies" to be removed or age off. During this time, one tends to one's current accounts and watches their AAoA grow and the new credit ding fade..."
Thanks for the reply. Look forward to eventually helping out others one day.
Gardening= no more applications for an extended period of time letting your current trade lines grow. Helpful thread below for abbreviations.
http://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/m-p/88458
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k