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Release the Kraken :)

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SeaStriper
New Member

Release the Kraken :)

Wife and I have been in the garden for a long time prepping for the right time to come out. Watching these boards and the GREAT support you all have for one another is beyond exceptional. So yes we had many denials along the way, but the doors that opened were REMARKABLE.


Out of GARDEN results are:
PenFed Approved $17000 just enough to balance transfer "hers" and "mine" at 4.99%.
Causing my UTILIZATION to plummet as my last baddie officially dropping off. Penfed also refinanced our 1 car at half the Santander rate (which we had to accept during a rough period (unfortunately)!
My Fico Score JUMPED from average 679 to an average (701 to 727) in one months time on all the bureaus as I have an exceptional payment history.
Now the Garden GREW as it was on STEROIDS...
Capital One - Approved Combo $2550 to $3550 (QS Closed)
Barclays Rewards $3500 to $6900
Barclay CLI NFL - Stays @ $2300 - Fail even after RCON call
Overstock/FNBO - Pending and VERY slow!
American Eagle Fed APPROVED - $3700
Blispay APPROVED - $5000
Citi Simplicity APPROVED - $2000
Walmart CLI - $1300 to $5000
DiscoverIt - $1500 to $2300
(New) DiscoverIt APPROVED $3700
Amex Blue Cash - Approved --> $2000 (Low but in AMEX DOOR now)
Amex SPG - Approved ---> Limit Unknown Yet
Lowes CLI - $800 to $1700
Kohls CLI $400 to $700 (Cheap u know what) lol
Amazon Store CLI to $900 to $2000

John Deere - $15,000 (Wow)

PenFed - Me - $4500 after RCON (Thank You PenFed)


Denied by DCU (pain to work with), BOA (under RCON but doubting it after 7 - 10 day), USBANK (No Pre-Qualify - No Attempt), Denied - Citi DC, Chase... 7 to 10 Day (doubt due to 5/24). No Luv from Barclays or Synchrony New Apps...

 

Wife and have lived off one vehicle for ten years and we finally purchased her a NEW one through a credit union at a very nice rate...
Anyway, yes it has been busy spree out of the garden ---> but I am back in it for 2 years....


Thank You to all for your GREAT FEEDBACK - PRICELESS!

Message 1 of 18
17 REPLIES 17
Anonymous
Not applicable

Re: Release the Kraken :)

A BIG CONGRATS!! The Kraken headline got me...lol!!😃
Message 2 of 18
Anonymous
Not applicable

Re: Release the Kraken :)

Fantastic, congrats on your success !!!

Message 3 of 18
Anonymous
Not applicable

Re: Release the Kraken :)

You have been busy - Congratulations!!!

Message 4 of 18
Anonymous
Not applicable

Re: Release the Kraken :)

Very nice, how long was this garden phase? 


@SeaStriper wrote:

Wife and I have been in the garden for a long time prepping for the right time to come out. Watching these boards and the GREAT support you all have for one another is beyond exceptional. So yes we had many denials along the way, but the doors that opened were REMARKABLE.


Out of GARDEN results are:
PenFed Approved $17000 just enough to balance transfer "hers" and "mine" at 4.99%.
Causing my UTILIZATION to plummet as my last baddie officially dropping off. Penfed also refinanced our 1 car at half the Santander rate (which we had to accept during a rough period (unfortunately)!
My Fico Score JUMPED from average 679 to an average (701 to 727) in one months time on all the bureaus as I have an exceptional payment history.
Now the Garden GREW as it was on STEROIDS...
Capital One - Approved Combo $2550 to $3550 (QS Closed)
Barclays Rewards $3500 to $6900
Barclay CLI NFL - Fail even after RCON call
Overstock/FNBO - Pending and VERY slow!
American Eagle Fed APPROVED - $3700
Blispay APPROVED - $5000
Citi Simplicity APPROVED - $2000
Walmart CLI - $1300 to $5000
DiscoverIt - $1500 to $2300
(New) DiscoverIt APPROVED $3700
Amex Blue Cash - Approved --> Limit Unknow Yet
Amex SPG - Approved ---> Limit Unknown Yet
Lowes CLI - $800 to $1700
Kohls CLI $400 to $700 (Cheap u know what) lol
Amazon Store CLI to $900 to $2000


Denied by DCU (pain to work with), BOA, USBANK, Citi DC and didn't even try Chase...

 

Wife and have lived off one vehicle for ten years and we finally purchased her a NEW one through a credit union at a very nice rate...
Anyway, yes it has been busy spree out of the garden ---> but I am back in it for 2 years....


Thank You to all for your GREAT FEEDBACK - PRICELESS!


 

Message 5 of 18
Orecic
Established Member

Re: Release the Kraken :)

Been about 2 years with the basics - High Interest Cap1, Barclays and DiscoverIt and a Kohls... Tried Recon (soft pulls a couple times) but with a couple of baddies haunting us --> never pushed it though... My Equifax was low and my wifes was high so it provided that PenFed window of opportunity we needed to lower utilization and snowballing it into short term success. Of course Inquiries posting and new accounts will hurt us for a little while --> but playing it right in 2 years it will launch a comeback that we have worked SO HARD for! Smiley Happy


03/17/2016 *** EQ 701 * TU 706 * EX 727 ***

04/21/2016 *** EQ 728 * TU 736 * EX 747 ***
Message 6 of 18
Anonymous
Not applicable

Re: Release the Kraken :)

impressive!

Message 7 of 18
alextercero
Super Contributor

Re: Release the Kraken :)

Congrats

Current Credit Cards


Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (May 2024)


Credit Age:

Inquiries:

Message 8 of 18
Anonymous
Not applicable

Re: Release the Kraken :)

Congrats on your success!

 

Message 9 of 18
Anonymous
Not applicable

Re: Release the Kraken :)

Well done!Smiley Happy

Message 10 of 18
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