FYI: I just improved the formatting and added group labels to the Quick Summary. I also moved the Credit Union info to a recent CU thread.

While I still think a Mega AOR (more than 2-3 dozen apps) is crazy, the Quick Summary and CU lists are valuable for those who have done several AORs over the years (or otherwise accumulated cards from all the majors and many of the minors). SIS or Dave Hanson or others: how many of the minor and independent cards do you have? Has anyone tried a "minors AOR" or "independent AOR"? (I'll certainly try this at some point.) Even if good BT offers are less common, it's a way to increase total CL and therefore decrease total utilization on other 0% offers.

(Should these questions be covered in a new thread?)

scott1961 said:asdf9876 said: However, he has historically been incredibly skeptical of AoR and only reluctantly and accidently has done 1 minor (in terms of applications) AoR in his history.

Once again no offense to Scott I think you are misrepresenting him by saying he represents going for all the credit you could posssibly ever get.
My goal is as much credit with as few applications and open accounts as possible. Have finished re-allocating and closing some of my new accounts and now only have 10 open accounts but my AoR brought me from under $50k CL to over $400k. I think this leaves me in the best position to do a future AoR. The OP here is pretty much dooming any future chances with how many open accounts he will have and most likely most of them going to have small lines. I just can't imagine what will happen to his score as all new accounts get added. I just got an alert from MyFico that my score dropped from 781 to 766 due to my AMEX account showing up. I thought with it's $50k CL it would help my score with lower utilization. Many of the things I did go against the conventional wisdom here but since it was pretty successful I think it shows there are many ways to do one, By that logic maybe OP's will work. Will at least make for fun reading

Very good point about number of accounts open. The large lines allow for lower utilization also. I will be working on my first BIZ app o rama in 2007. I want to do one biz app o rama and one personal in 07.

Rob

Love said:How and where do make my App-O-Rama application?

I currently owns AMEX Blue(joint credit with spouse), Citi Dividend(joint credit with spouse), Discover(joint credit with spouse) and one other Citi Card (with 0% APR, 0 BT Fee from last yr)
My wife owns by herself Citi AMEX(0% APR, 0 BT Fee from last yr) and BOA Visa card.

We are in plan to purchase new car and planning to do App-O-Rama. How do we start? What is the advice?

App O Rama Frequently Asked Questions Thread
Read through there, there are links to other juicy threads.

Quick & dirty summary:
Sign up for a daily credit monitoring service, like True credit, of BofA privacysource.
To increase your credit score the most, make sure your credit balance to credit limit utilization is under 15%.
Make sure you have as few inquiries as possible in the last 6 months, and 12 months is best. Less than 6 inquiries is standard, and 0 is best.
Any derogatory tradelines should be old, and disputed off if possible. Public records, liens, and lates lower scores, and are cause for denial. Once you confirm that utilization is as low as possible, begin the app o rama. Apply for as much credit as possible within as few hours as possible. You can use a 0% card to pay for, or refi a car loan. Auto inquiries can be detrimental to the AOR, so I would do the Credit card apps first, then the auto loan. Credit unions, and some car mfrs offer good auto rates.

You're best bet is to get a store card at Joe's Guns & Bail Bonds. Use it to buy a handy pistol and some ammunition, then shoot yourself in the head. That should raise your scores into the 700s easily.

in your quick summary on 1/12, you listed that you pull your tu 3x a day. How do you do that, I have true credit and it limits it to one per day. also is there a way you can pull it more than 1xday with eq for bumpage??

nymgiants said:in your quick summary on 1/12, you listed that you pull your tu 3x a day. How do you do that, I have true credit and it limits it to one per day. also is there a way you can pull it more than 1xday with eq for bumpage??

I try doing an online dispute with TU. After going through a few screens, it will show an updated report. I actually did do a real dispute, and it seemed not to work anymore (pulling a 2nd report)
I also pull w/ BofA privacysource. I pull EQ w/ Credit watch gold also. Seeing new reports when attempting to file a dispute, shows extra info, like full account#'s with TU. On EX it showed "Spouse name" for someone I tried co-signing for years ago, and was denied. I ordered my lexis nexis report, and it should be on the way snail mail.

I'm anxious to try for some of the banks in your list. I've got many of the major banks except AMEX. I'm going to go after some of the smaller ones that are available in Pa and pull TU or EQ. Unfortunately, I've got to wait a couple of days because I applied for a new surety bond for my auto dealership because Western Surety cancelled the one I've had with them for years because of something on my EQ report. I don't know what they don't like but it might be the increase from $4K available personal credit to $675K in a little under 3 years. Anyway, as soon as they do their pulls, I'm going to dig into your list trying to guess which ones won't pull EX.

SCM

g10ny said:It's interesting to see if a certain number of inquiries the credit report still gets it, or some protection system kicks in.

Please let me know if you detect "self-bumpages", meaning the last hard pulls from the app-o-rama are beginning to bump the first ones off the credit report. In theory, this is doable, but you'll still be left wit lots of hards which you will be interested to pull out ASAP.
A special case would be EXP. How big the EXP info files are? How many pulls are required to cause a random effect on the credit report? What kind of "random effect" is possible? Is it really worth a shot ?

I think EX's system is setup so they can store unlimited inquiries. EQ & TU must have smaller space set aside. Now that HD space is so cheap these days, one day TU & EQ may upgrade to EX standards, and we can kiss bumpage goodbye

PolarDude said:
I think EX's system is setup so they can store unlimited inquiries. EQ & TU must have smaller space set aside. Now that HD space is so cheap these days, one day TU & EQ may upgrade to EX standards, and we can kiss bumpage goodbye
While it is clear that EXP has much more room for inquiries, an infinite storage capacity is inconceivable. However, they must have set up the individual file size such that usually is unattainable through any sorts of gimmicks. Think about how useful it is to discover that 5K pulls will result in a EXP bumpage. Or 10K, or 100K or 1M etc.
But if it's only about the size of less than 1K, that's another story, and it might be of the same order of magnitude with the hard inquiries incurred by your ultimate mega-AOR.
I was previously theorizing a similar concept (I called it bump-o-rama) but more applied to the other two credit bureaus.
Believe me, because of the "theoretical" implications of your AORs (which you will consider side effects), I will watch your moves very closely!
(Analogy : we usually played here with a small number of items, it's like studying collisions at low energies. The effects are kind of known - eg the types of emerging particles. But think about building a high energy accelerator - completely new results can appear!)

g10ny said:PolarDude said:
I think EX's system is setup so they can store unlimited inquiries. EQ & TU must have smaller space set aside. Now that HD space is so cheap these days, one day TU & EQ may upgrade to EX standards, and we can kiss bumpage goodbye
While it is clear that EXP has much more room for inquiries, an infinite storage capacity is inconceivable. However, they must have set up the individual file size such that usually is unattainable through any sorts of gimmicks. Think about how useful it is to discover that 5K pulls will result in a EXP bumpage. Or 10K, or 100K or 1M etc.
But if it's only about the size of less than 1K, that's another story, and it might be of the same order of magnitude with the hard inquiries incurred by your ultimate mega-AOR.
I was previously theorizing a similar concept (I called it bump-o-rama) but more applied to the other two credit bureaus.
Believe me, because of the "theoretical" implications of your AORs (which you will consider side effects), I will watch your moves very closely!
(Analogy : we usually played here with a small number of items, it's like studying collisions at low energies. The effects are kind of known - eg the types of emerging particles. But think about building a high energy accelerator - completely new results can appear!)

I have never heard of any EX bumpage. They may also prioritize the inquiries so softs get bumped before hards! You may have better luck disputing the inquiries that don't have a tradeline attatched, then dispute to get the fraud alert you created off.
I think someone mentioned it takes a lawsuit to get inquiries off experian, as they are tough. What may be better, is attain a high enough FICO so the Inquiries, as bad as they may look, don't drag your score ~710, and then try for reconsideration if you get denied simply because of inquiries. Having the inquiries there may result in instant denial, or deferral, but if you can turn some denials into approvals through reconsideration, that's a plus!