Terms used on this site.....

[PhillyGuy2012]

Sorry if i sound like a dope, but what does gardening and baddies mean?

Thanks

[pizzadude]

Here's a link to common terms:
http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Guide-To-Common-Abbreviations/m-p/224988?jump...

Gardening is the process of letting your accounts age while not apping for new credit. Baddies are any derogatory information on your reports.

[PhillyGuy2012]

Thanks