Back To Garden After All These Nice Approvals-WOO HOO!

[Iusedtolurk]

With the knowledge acquired from this forum I have done a few things. Started with 400 tcl and 500 scores. Now about 90000 tcl and mid 700 scores.

Haven't had any new credit in 2 years so zero inquiries due to unoffically being in the garden. (didn't want to put the mental pressure of offically being in the garden on myself took it a day at a time)

So in a little over a week I slipped out the unofficial garden and achieved 3 very nice approvals.

Got a NFCU credit card sl 16000 Instant Approval

then

Got a Penfed credit card  10000 Instant Approval

then 

Got a Penfed Personal Loan 10000  Took about 6 minutes to fill out App with Rep so Basically Instant Approval

Cl increased 36000 from the 3rd of Mar to the 10th of March.

Great thing about it Inquiries ended up being (basically I knew which bureaus might be pulled and worked out perfectly according to plan)

Ex 1  Penfed loan  (had email pre-qual-called rep-did app on phone-took about 6 minutes total with No Poi)

Tr  1 Nfcu cc (had pre-approved mailing with special code)

Eq 1 Penfed cc (had pre-approval)

BACK TO THE UNOFFICAL GARDEN FOR ME

I will see how after the dust settles (probably a couple months) how my credit will be affected (changing Scorecards, AAoA, recent credit, inquiries, going from NO OPEN installments to A OPEN installment (not coded as CFA woo-hoo) etc.

[JoeRockhead]

Outstanding all the way around, nicely done, congratulations on all your growth, and success!

[SouthJamaica]

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@Iusedtolurk wrote:

With the knowledge acquired from this forum I have done a few things. Started with 400 tcl and 500 scores. Now about 90000 tcl and mid 700 scores.

Haven't had any new credit in 2 years so zero inquiries due to unoffically being in the garden. (didn't want to put the mental pressure of offically being in the garden on myself took it a day at a time)

So in a little over a week I slipped out the unofficial garden and achieved 3 very nice approvals.

Got a NFCU credit card sl 16000 Instant Approval

then

Got a Penfed credit card  10000 Instant Approval

then 

Got a Penfed Personal Loan 10000  Took about 6 minutes to fill out App with Rep so Basically Instant Approval

Cl increased 36000 from the 3rd of Mar to the 10th of March.

Great thing about it Inquiries ended up being (basically I knew which bureaus might be pulled and worked out perfectly according to plan)

Ex 1  Penfed loan  (had email pre-qual-called rep-did app on phone-took about 6 minutes total with No Poi)

Tr  1 Nfcu cc (had pre-approved mailing with special code)

Eq 1 Penfed cc (had pre-approval)

BACK TO THE UNOFFICAL GARDEN FOR ME

I will see how after the dust settles (probably a couple months) how my credit will be affected (changing Scorecards, AAoA, recent credit, inquiries, going from NO OPEN installments to A OPEN installment (not coded as CFA woo-hoo) etc.

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Congratulations on your rebuild and your approvals.

[CreditMagic7]

[sznthescore]

Hats off to you and congratulations! 🎉 You did your thing... and modestly too! Good job!!!

[nytokyobred79]

Congratulations on your successful approvals. 

[CYBERSAM]

Congrats on all the approvals 🤑👍👍

[TheRedHat]

Congrats on your approvals and increases!!

[Yasselife]

Congratulations on your success! @Iusedtolurk 

[cashorcharge]

WooHoo!! Congratulations on all your Approvals!!👏🏼🍾🥂