saviola said:one phone call to Equifax will let you dispute as many as 6 inquiries per call and they will be deleted within days, no questions asked.Is that a special number? Every time I call they send me to CSC, who services EQ in my state. They won't talk to me, and their website has no way I've seen to dispute an inq online.

OK, I've been on the phone with 5 people for the last hour and finally got the dispute done. EQ won't give me a conf. # because CSC owns my file and all disputes must go through them. I've been given 3 different CSC toll-free #s that tell me to dispute online or via snail mail, and then they hang up with no option to talk to a person. Online dispute has no option for inqs.

Finally I got a local number in my area code which had a menu. Of course the dispute option gave me the same old message and hung up. Then I tried the human resources dept which tranferred me to the business services dept which transferred me to the dispute dept. Voila!

Anyone else with CSC run into this problem? And did the inqs come off? BTW, I have no accounts reporting with those entities disputed.

SUCKISSTAPLES said:
A poorly thought out App-O-Rama wont help you much, but shouldnt hurt you beyond the credit inquiry hits.... And don't even think of trying to apply for a bunch of credit just to default or leave the country.
Why not gather a “bunch of credit” and leave the country? Respectfully, your warning although well intended, emits a rather categorical and ominous caution, for defaulting on personal debt is NOT a crime in the US, not yet that is. Moreover, for a special breed of Americans, applying for and gathering a bunch of liquid credit then leaving the country for a few years carries no consequences of note.

Not that I’m recommending intentional default and flying the coo, I’m merely sayin’ there’s no monstrosity in it and it's doable with no consequences.

Who is this special breed of Americans you rightfully ask. Primarily, self-employed individuals with dual citizenships and no pronounced or publicly documented ownership of property. And in most cases, even apparent ownership of property by such Americans rarely entails seizures of said property via judgments. _ You can’t serve ghosts. And most judges are extremely reluctant to award judgments without proper service and in absentia, especially in revolving credit cases.

Nor will any judge likely entertain listening to issues of intent from overzealous mouth pieces, for in cases of personal debt, intent is an elusive ghost as well.

There’s one more requirement for the above breed of Americans to undertake that which you cautions against: scathing contempt for Corporate Cannibals like the Citis, Chases and BofAs who have been sockin’ it to Americans since the Great Depression. A little moral detachment and a refusal to dispense mercy vis a vis the above Draculas will get one on one’s way.

Most Americans with ancestry in poor countries who sock it to above sockers see themselves as modern-day Robin Hoods, for their ill-gotten “bunch of credit” does wonders in their secondary country’s poor villages and townships _ clinics, schools, water purification treatments and perhaps a little mansion for the provider of such charities for a fraction of what it costs in the States.

Now through the 80s, 90s and early 2000s such credit-bunching activism was repeatable every 7 years because the undertaker could lather and rinse after obtaining a clean sheet as dictated by the US Credit Act and attendant statutes.

Why repeatability is questionable in the future? Because in the last 20 years most banks’ electronic records were evolving, upgrading and slowly gaining longevity. Up till few years ago, hardly any bank remembered who you were 7 years prior, save for AMEX which rarely forgets. Will they remember in the future? If the undertaker re-applies in 2015, he’ll find out with NO consequences.

Hence, for those who aren’t and won’t be shocked, just shocked by the permissibility and inconsequential aftermath of massive credit-bunching, skipin’ and returnin’ for a certain category of Americans, let this post act as a contrarian view on the subject. And that is irrespective of morality, ethics and the discord or accord of one’s conscience in the manner.

My current outlook is that credit card issuers are cracking down on AOR-style usage.

...and the beat goes on. People have been saying this for years now. Last year a week after I did my very successful AOR, AORs were officially declared dead here on FWF. Then last month I decided to do a wife-o-rama to verify that they were indeed dead. Imagine my shock when she was able to borrow 250k at 0% with a high BT fee of $99 on 10 different cards. Oh well, maybe my annual AOR will fail later this year and the NNNs will finally be right.

saviola said:
Why not gather a “bunch of credit” and leave the country? Respectfully, your warning although well intended, emits a rather categorical and ominous caution, for defaulting on personal debt is NOT a crime in the US, not yet that is. Moreover, for a special breed of Americans, applying for and gathering a bunch of liquid credit then leaving the country for a few years carries no consequences of note.

Not that I’m recommending intentional default and flying the coo, I’m merely sayin’ there’s no monstrosity in it and it's doable with no consequences.

Who is this special breed of Americans you rightfully ask. Primarily, self-employed individuals with dual citizenships and no pronounced or publicly documented ownership of property. And in most cases, even apparent ownership of property by such Americans rarely entails seizures of said property via judgments. _ You can’t serve ghosts. And most judges are extremely reluctant to award judgments without proper service and in absentia, especially in revolving credit cases.

Nor will any judge likely entertain listening to issues of intent from overzealous mouth pieces, for in cases of personal debt, intent is an elusive ghost as well.

There’s one more requirement for the above breed of Americans to undertake that which you cautions against: scathing contempt for Corporate Cannibals like the Citis, Chases and BofAs who have been sockin’ it to Americans since the Great Depression. A little moral detachment and a refusal to dispense mercy vis a vis the above Draculas will get one on one’s way.

Most Americans with ancestry in poor countries who sock it to above sockers see themselves as modern-day Robin Hoods, for their ill-gotten “bunch of credit” does wonders in their secondary country’s poor villages and townships _ clinics, schools, water purification treatments and perhaps a little mansion for the provider of such charities for a fraction of what it costs in the States.

Now through the 80s, 90s and early 2000s such credit-bunching activism was repeatable every 7 years because the undertaker could lather and rinse after obtaining a clean sheet as dictated by the US Credit Act and attendant statutes.

Why repeatability is questionable in the future? Because in the last 20 years most banks’ electronic records were evolving, upgrading and slowly gaining longevity. Up till few years ago, hardly any bank remembered who you were 7 years prior, save for AMEX which rarely forgets. Will they remember in the future? If the undertaker re-applies in 2015, he’ll find out with NO consequences.

Hence, for those who aren’t and won’t be shocked, just shocked by the permissibility and inconsequential aftermath of massive credit-bunching, skipin’ and returnin’ for a certain category of Americans, let this post act as a contrarian view on the subject. And that is irrespective of morality, ethics and the discord or accord of one’s conscience in the manner.

Not a good idea. They can still take you to court and then if you fail to appear you'll have a warrant out for your arrest. Ever step foot in the USA after that and the feds will be waiting for you at the border. Not to mention, depending on the amount in question they can probably come after you even in another country. Lots of people talk about doing this kind of thing but there's a reason it doesn't happen very often and it's not just because of morality issues.

I apologize if this has been answered but I searched and could not find the answer. I have a national city card with 25k limit from AOR 1. I am getting ready to do AOR 2 in a few months and just starting to do some prep work. I would like to apply for NC lifespring card, but I am not sure if NC will give you 2 cards. Anyone have experience with this??

BobbyRobert said:Its a sad day, it appears that the BofA NEA cards no longer come with the $30 cap on BTs. Terms now read: 2% fee, no less than $2.

https://neamb.com/credit/index.jsp

Update: The BOA site still lists a $30 max fee on the NEA card. Meaculpa

Hey Folks,
So I haven't updated my AOR thread in about 3 months and it apparently got archived, but here's an update on my situation:
Long Overdue Update:
So all of my non-AU Citibank Accounts have remained closed including my Daily use mTVU(at 2.5 years old my oldest non-AU tradeline), Professional, Business, and Business PremierPass cards. After paying off my AMEX IN:LA BT and updating my CRs so my FAKOS are 720-730, i called them up to try and at least open my mTVU card, but they said because the cards were closed by the bank that I would have to reapply and they couldn't be reopened. I didn't offer to show savings account/brokerage statements with my over $85,000 Net Worth as I just recently thought of that but I'm not sure if that'll fly.

Chase also strangely closed my Chase Freedom card. The best I can determine is that when I attempted to dispute a duplicate inquiry Chase did on my Equifax CR, they disputed the account instead of the inquiry as I got some letter from Chase asking me to confirm whether the account was in dispute or not, and I replied to the letter saying I wasn't disputing the account, but when I next went to use my card it didn't work and the CSR i talked to said the account had been closed due to account ownership questions and due to that being the reason for closure they couldn't reopen it and i would have to reapply.

Otherwise just paying my cards monthly and looking to other outlets to earn money in my spare time over future AORs most likely due to trying to avoid future AA hassles and my credit report being a bit worse than when I started right now due to the mTVU card closure, though I imagine i might apply for another card or 2 by the end of the year if there's good terms (maybe Citi Cash Returns if I can def. get 5% and maybe reopen a Citi mTVU card). Actually I have a business idea that might be aided by some 0% on purchases cards so if anybody has any cards with those promos feel free to let me know.

RobInBoston said:Don't think I will participate in an AOR as I'm looking to buy a house within the upcoming year.

That makes sense. After you buy, you can try it.

Can you use the same balance transfer request on multiple applications?
I.e.: I have one card with a 20k balance and will apply for 4 cards and request the balance transfer from that one 20k card on each of the 4 cards I apply for, hoping to get a generous credit line of greater than 20k on each of the 4 cards.
Or will this cause problems?
Thanks for the answer in advance.