I am a noob to FWF, but by substantial lurking, I've gleaned a lot of info (and contributed some). Here's my new AOR contribution: My Debt Trap-O-Rama. I started this a couple of weeks before I found about FWF and inspite of that, it seems to have turned out quite ok.
6/28/06: Existing Credit & Loans(All Personal)
MBNA World Points MC: $19800 (balance paid in full)
Citi Diamond Preferred MC : $1500 (balance paid in full)
Citi Simplicity MC : $4500 ($4300 in 0% APR till April 2006)
Chase Platinum MC : $5000 (zero balance)
Auto Loan: $5100
In my ignorance, I'd closed 2 AMEX cards (one of which was 6 years old and my oldest account) over 3 months ago. They refused to reopen them subsequently.
Personal Credit Applied for:
7/25/06: Request CLi for existing Chase card from $5k to $10k reallocated below to $500 (deferred approval) --> Equifax
7/25/06:Sony Chase card: $100 on first purchase: (Instant Approval) $5k initial limit increased to $10k reallocated to $19.5k from other chase card --> Equifax 0% APR for 12 months $10-$75fee
7/25/06: BofA preapproved WorldPoints card $4500 limit 0% for 6 months --> No pull
7/25/06: Discover Card (Rejected as foreign national) --> TU
8/8/06: HSBC Platinum MC 0% for 12 months from mail offer: (InstaApproved for $750) Cancelled immediately --> Equifax
Business CCs Applied:
Pre-FW
6/29/06: AMEX Business Gold Card (Guaranty Bank offer): $100 statement credit on first purchase (Insta-Approved) Equifax
7/10/06: AMEX Business Platinum Card (Guaranty Bank) : $100 statement credit on first purchase (Insta-Appoved with $4800 CL) Equifax
Post-FW
7/23/06: CitiBusiness PremierPass Card: 15000 thank you bonus: (Defferred Approval for $7500) 0% for 12 --> Equifax
7/25/06: Capital One Business: (Deferred Approval for $7000) 0% for 12 --> EQ, EX, TU
7/25/06: Advanta Platinum 0% for 15 months: (Deferred Rejection - insuf mortgage, too many inq,insuf length of personal hist,insufficient bus hist) --> Equifax,RiskWise
8/1/06: BofA Business PowerRewards Platinum: Instaapproved for $15000 limit (0% for 6 months) --> Experian
8/10/06: CitiBusiness ThankYou Card: 10000 TY points: (Deferred Approval for $7000) 0% for 12 --> Equifax
8/10/06: Chase Business Card: 0% for 12 : (Deferred Approval for $6000) --> Equifax
New Bank Accounts
7/23/06: BofA Checking $100 bonus 100MBNA -->TransUnion
7/23/06: CitiBank $200 bonus CEPM --> Equifax
Citi eSavings 5% APY --> Equifax
NetBank Checking $75 bonus --> no pull
NetBank Money Market $75 bonus --> no pull
EmigrantDirect 5.15% APY --> no pull
Etrade Bank Money Market $50 bonus --> no pull
WashingtonFirst Bank $50 bonus --> no pull
Brokerages
Ameritrade: $500 bonus for Apex (funded with $10k from MBNA Billpay)
Fidelity: $100 bonus for $10k investment (bonus paid immediately)
Sharebuilder: CompassBank, iplangift promos
Previous Total Credit Limit: $30300
New Credit:
Personal $20250
Business $40300
Total New Credit: $60550
Total Credit: $90850 (tripled)
New inquiries:
Equifax 14 -3 = 11(Removed CitiBank inq by dispute)
Experian 3
TU 4
Credit Score Tracker:
Equifax ScoreWatch:
7/23/06: 736
7/27/06: 721
7/30/06: 716
8/05/06: 735 (After Citi inq dispute)
8/14/06: 700 (after BofA new account and BT reported)
Experian CreditExpert: (MSMoney free scorewatch)
7/25/06: 745
8/10/06: 746
8/15/06: 732 (after BofA new account and BT reported)
PrivacyGuard:
8/10/06
EQ 698 EX 732 TU 722
