FW AOR SUMMARY AND STATISTICS
(most recent first)
please add your own! (lurkers: feel free to add data from someone else's thread)

<font color=white style="background-color: #3E3E3E;">Some recent fields (it would be great if people would go back and fill these in):

New CL from CLI: (this is an important part of an AOR, so worth counting separately)

# inquiries BEFORE: (based on CardJuggler's theory that a few are harmless)
* might want to list with details, e.g. _ (within 6 months) + _ (6-12 months) + _ (over 12 months)

# years of credit: (does this play a role? Let's see if the stats offer any insight.)

utilization AFTER: (i.e. how risky?)

Caveat: without seeing "utilization AFTER" and knowing whether the "FICO / FAKO after" includes all balances reporting, I would be very skeptical of the relatively modest score drops shown below (says CardJuggler, with a stunning 142 pt real FICO drop)

Name ___: dvm395 link
Date ___: 2-5-08
FICO / FAKO before: TU=764 EX=755 EQ=793____1-31-08
FICO / FAKO after _: TU=730 EX=694 EQ=680____3-25-08 (all balances reporting)
Applied # ____: 18(p) + 08(b) = 26 Total
Approved # ___: 13(p) + 07(b) = 20 Total
Approved % ___: 72%(p) + 88%(b) = 77% Total
New CL from AOR ___: $111,200(P) + $58,200(B) = $169,400 (2.1x HHI)
Household Income __: $82,000
# years of credit _: 12 (first student loans)
# inquiries BEFORE : TU=0 EX=8 EQ=4 (all EX >6mo)
# inquiries AFTER : TU=4 EX=11 EQ=15
utilization BEFORE : 14%
Total CL BEFORE ___: $105,400
New CL from CLI ___: $0
Total CL AFTER ____: $274,800
utilization AFTER _: 31% (Personal)
Bonuses from AOR ____: 55k TYP; $235 cardbenefit.com; $150 CashBack; 20k miles
FAKO score decreased:TU (34) EX (61) EQ (113)____3-25-08
Expected AOR interest: $3,400 (after tax)

Name ___: jackcrawfish My AOR
Date ___: 7/29/2007
FICO / FAKO before: TU=769 EX=763 EQ=768____7-28-07
FICO / FAKO after _: TU=686 EX=663 EQ=657____9-19-07
Applied # ____: 21(p) + 13(b) = 34 Total
Approved # ___: 17(p) + 07(b) = 24 Total
Approved % ___: 81(p) + 54(b) = 71 Total
New CL from AOR ___: 223,800 (2.5x HHI)
Household Income __: 89,240
# years of credit _: 15 (first student loans)
# inquiries BEFORE : TU=1 EX=2 EQ=7
utilization BEFORE : TU=0 EX=0 EQ=0
Total CL BEFORE ___: 31,000
New CL from CLI ___: 35,900
Total CL AFTER ____: 259,700
utilization AFTER _: 49%
Bonuses from AOR ____: 0
FAKO score decreased:TU (83) EX (100) EQ (111)____9-19-07
Expected AOR interest: $5,000 net of tax

Name ___: MikeR397 (first AOR at age 22 with slim primary card history (one 5.5k line)) Thread link
Date ___: 6/4/2007
FICO / FAKO before: 759 (EQ Fico)
FICO / FAKO after _: 585 FAKOS across the board, no adverse action yet (9-4-07)
Applied # ____: 34 (25 p, 9 b) - overdid it a bit with apps, but it was fun and will get rid of most inquiries via bumpage
Approved # ___: 19 (14 p, 5 b)
Approved % ___: 56%
New CL from AOR ___: $127,100 ($71,000 p, $56,100 b, total = x.57 HHI)
Household Income __: $220,000
# years of credit _: 5 as AU, only 1.5 as primary
# inquiries BEFORE : 0 TU + 1 EX + 0 EQ
# inquiries AFTER : 19 TU + 6 EX + 9 EQ (good results here, I can bump most off soon (19TU and 9EQ)!)
utilization BEFORE : <1%
Total CL BEFORE ___: $5,500 as primary, $88,000 including 4 other AU accounts
New CL from CLI ___: 0
Total CL AFTER ____: $132,600 ($76,500 p, $56,100 b)
utilization AFTER _: overall 40% on personal including AU accts (89% individually), overall 95% on business
Bonuses from AOR ____: ~$550
Expected AOR interest: ~$6500 gross (~$6000 after taxes (thank you tuition deduction!))

Name ___: lhendricks92 thread
Date ___: 6/5/2007
FICO / FAKO before: 795 (EQ Fico)
FICO / FAKO after _: 723 (EQ Fico - all balances and all but 3 new accounts reporting)
Applied # ____: 25 (14 p, 11 b)
Approved # ___: 22 (11 p, 11 b)
Approved % ___: 88%
New CL from AOR ___: $261,250 ($76,250 p, $185,000 b, total = 2.38 x HHI)
Household Income __: $110,000
# years of credit _: 19
# inquiries BEFORE : 0 TU + 3 EX + 5 EQ
utilization BEFORE : 14%, all p
Total CL BEFORE ___: $333,400
New CL from CLI ___: essentially $0
Total CL AFTER ____: $594,650 ($384,650 p, $210,000 b)
utilization AFTER _: 45% (25% p, 79% b, i heart business cards)
Bonuses from AOR ____: ~$1000
Expected AOR interest: ~$10,000 ($230K of new BT "debt" - expected interest is annualized)

Name ___: Dman081
Date ___: 4-10-07 & 4-11-07 afternoons
FICO / FAKO before : FAKO TU-745 EX-734 EQ-734
FICO / FAKO after _: FAKO TU-734 EX-734 EQ-734 (new accounts starting to post)
Applied # ____: 21 (12p 9b)
Approved # ___: 14 (10p 4b) (8 instant apprvls, 6p 2b)
Approved % ___: 67%
New CL from AOR ___: $51,100 = .36x HHI
Household Income __: $140,000
# years of credit _: 6
# inquiries BEFORE : 1 + 0 + 1
utilization BEFORE : 1-3%
Total CL BEFORE ___: $ 98,000 ($10,000 of which non-reporting business)
New CL from CLI ___: $19,000
Total CL AFTER ____: $170,100 = 1.73x before
utilization AFTER _: 45% (planned)
Bonuses from AOR ____: unknown
Expected AOR interest: unknown

Name ___: ahself (thread)
Date ___: 3-21-07 ~11:00AM-2:00PM ET
FICO / FAKO before : FAKO TU-772 EX-771 EQ-759
FICO / FAKO after _: TrueCredit FAKO TU-693 EX-668 EQ-702
Applied # ____: 16 (9p 7b)
Approved # ___: 16
Approved % ___: 100%
New CL from AOR ___: $228,000 = 2.68x HHI (includes CLIs on new/AOR CCS)
Household Income __: $85,000
# years of credit _: 10
# inquiries BEFORE : 5 TU + 6 EX + 11 EQ
utilization BEFORE : 11%
Total CL BEFORE ___: $39,000
New CL from CLI ___: $51,500 (all post AOR, within a couple weeks)
Total CL AFTER ____: $282,500 = 7.24x before
utilization AFTER _: <30% (planned)
Bonuses from AOR ____: ~$2,600 value
Expected AOR interest: ~$4,600 gross

Name ___: Pakaderm thread
Date ___: 3.20.2007, 0630 PST
FICO / FAKO before : FAKO TU-772 EX-754 EQ-780
FICO / FAKO after _: FAKO TU-747 EX-727 EQ-772 (still changing as BTs hit)
Applied # ____: 13 (10p 3b)
Approved # ___: 12
Approved % ___: 92%
New CL from AOR ___: $121,000 = 1.34x HHI
Household Income __: $90,000+
# years of credit _: 8+
# inquiries BEFORE : 0 + 1 + 1
utilization BEFORE : 1-3%
Total CL BEFORE ___: $ 78,000
New CL from CLI ___:
Total CL AFTER ____: $211,000 = 2.83x before
utilization AFTER _: 35% (planned)
Bonuses from AOR ____: $1,000+
Expected AOR interest: $2,500 (GROSS)

Name ___: cyberkost thread
Date ___: Feb 2007, 3.5 hrs (spread over 2 days) to execute, many days to prepare
FICO / FAKO before : 775 EX FICO; FAKOs 730 TU, 759 EX, 769 EQ
FICO / FAKO after _: 10-20 point drop from inqs, none of the balances reported yet
Applied # ____: 16
Approved # ___: 11
Approved % ___: 69%
New CL from AOR ___: $193,000 = 1.9x HHI
Household Income __: $102,000
# years of credit _:
# inquiries BEFORE :
utilization BEFORE : 3-5%
Total CL BEFORE ___: $ 54,000
New CL from CLI ___:
Total CL AFTER ____: $247,000 = 4.57x before
utilization AFTER _:
Bonuses from AOR ____: $ 650
Expected AOR interest: $5,600 (before tax)

Name ___: WashWest101 thread
Date ___: 30 Jan 2007 (11 cards, had applied for 2 a week earlier)
FICO / FAKO before : 791 EQ FICO; FAKO: 754 Exp, 769 TU
FICO / FAKO after _: [will update]
Applied # ____: 13
Approved # ___: 12
Approved % ___: 92%
New CL from AOR ___: $155,000 = 1.6x HHI
Household Income __: $100,000
# years of credit _: Average card age was ~ 4 years old, oldest was 6 yrs
# inquiries BEFORE : 5 within 6 months, including 2 from the week before the AOR (got impatient and jumped the gun)
utilization BEFORE : 5% (or less)
Total CL BEFORE ___: $ 79,000
New CL from CLI ___:
Total CL AFTER ____: $234,000 = 2.96x before
utilization AFTER _:
Bonuses from AOR ____: $ 200 (approx)
Expected AOR interest: $3,000-4,000 after taxes and BT fees

Name ___: SecondCor521 thread
Date ___: 23 January 2007
FICO / FAKO before : 761 (Mortgage CS)
FICO / FAKO after _:
Applied # ____: 24 (17p 7b)
Approved # ___: 17 (11p 6b)
Approved % ___: 71% (65%p 86%b)
New CL from AOR ___: $162,000 = ?x HHI
Household Income __: upper five figures
# years of credit _:
# inquiries BEFORE :
utilization BEFORE : 6.6%
Total CL BEFORE ___: $265,200
New CL from CLI ___:
Total CL AFTER ____: $427,200 = 1.61x before
utilization AFTER _:
Bonuses from AOR ____: $ 705
Expected AOR interest: $4,800 (approx)

Name ___: Mrs. Psychtobe thread
Date ___: 22 JAN 2007
FICO / FAKO before : 782 (found out after through the WAMU card)
FICO / FAKO after _: 771
Applied # ____: 19
Approved # ___: 20
Approved % ___: 105% (*got 2 AMEX Delta Biz Gold cards even though I only applied for 1)
New CL from AOR ___: $307,000
Household Income __: >$250
# years of credit _: 12+, no negatives
# inquiries BEFORE : unknown
utilization BEFORE : 0%
Total CL BEFORE ___: $112,000
New CL from CLI ___:
Total CL AFTER ____: $419,000 = 3.74x before
utilization AFTER _:
Bonuses from AOR ____: $2,415 if points valued at 1 cent each
Expected AOR interest: $4,000-5,000 over 12 months

Name ___: Freddingo!
Date ___: 28-29 December 2006
FICO / FAKO before : 756
FICO / FAKO after _:
Applied # ____: 12 (11p 1b) => 2 amx, 2 citpers, 1 citiBusin, 2 chase, 3 BofA, 1 Disc
Approved # ___: 11 (10p 1b) => denied by citi for 2nd personal card
Approved % ___: 92%
New CL from AOR ___: $ 55,000 = 1.5x HHI
Household Income __: $ 36,000 (stated)
# years of credit _:
# inquiries BEFORE :
utilization BEFORE : 15%
Total CL BEFORE ___: $ 1,000 (yes $1,000)
New CL from CLI ___:
Total CL AFTER ____: $ 56,000 = 56x before!
utilization AFTER _:
Bonuses from AOR ____: $ 700
Expected AOR interest: $1,300

Name ___: alleni thread
Date ___: 26 DEC 2006 ~1 hour
FICO / FAKO before : 750 / 760 / 760 (FAKO)
FICO / FAKO after _: 17 point drop (730 / 750 / 739); not all accounts reported yet
Applied # ____: 11
Approved # ___: 9
Approved % ___: 81.81%
New CL from AOR ___: $ 39,400 = 0.44x HHI
Household Income __: $ 90,000
# years of credit _:
# inquiries BEFORE :
utilization BEFORE : 0.19%
Total CL BEFORE ___: $103,900
New CL from CLI ___:
Total CL AFTER ____: $143,300 = 1.38x before
utilization AFTER _:
Bonuses from AOR ____: $ 933: $513 cash + 42k thankyou points
Expected AOR interest: $1,767: $ 30,000 in 5.45% APY 6m CD; $38,000 in 5% savings

Name ___: DRACO067 thread
Date ___: 24 DEC 2006
FICO / FAKO before : 753 TU, 754 EXP, 756 EQ (Identity Monitor- Citibank)
FICO / FAKO after _:
Applied # ____: 13 (p)
Approved # ___: 8
Approved % ___: 62%
New CL from AOR ___: $ 83,300 = 1.1x HHI
Household Income __: $ 75,000
# years of credit _:
# inquiries BEFORE :
utilization BEFORE : 0%
Total CL BEFORE ___: $ 44,300
New CL from CLI ___: $ 23,000
Total CL AFTER ____: $150,600 = 3.4x before
utilization AFTER _:
Bonuses from AOR ____: $ 700
Expected AOR interest: $2,000 = $40,000 * 5%

Name ___: FWF NOOB
Date ___: 22nd DEC 2006
FICO / FAKO before : 787 FICO; CS/PG: Experian: 761/764, Equifax: 761/765,TransUnion: 761/773
FICO / FAKO after _: 22 point drop
Applied # ____: 18 (17p, 1b)
Approved # ___: 12 (11p, 1b)
Approved % ___: 67% (65%p, 100%b)
New CL from AOR ___: $ 59,000 + some unknown
Household Income __:
# years of credit _:
# inquiries BEFORE :
utilization BEFORE : 0%
Total CL BEFORE ___: $ 55,275
New CL from CLI ___:
Total CL AFTER ____: $114,275 = 2.07x before
utilization AFTER _:
Bonuses from AOR ____:
Expected AOR interest: $ 445 = $8,900 ACH * 5.00%

Name ___: Snyder81
Date ___: 21 Dec 2006; ~3 hours
FICO / FAKO before : 761 TU
FICO / FAKO after _: Not sure yet, TrueCredit subscription expired. Will sign up for free service and check after BT's finish
Applied # ____: 15 plus 2 rejected as duplicate apps: Discover (1 card ever 30 days) and Chase Rewards (tried for both MC and VISA)
Approved # ___: 15
Approved % ___: 100%
New CL from AOR ___: $102,600 = 1.3x HHI
Household Income __: $ 80,000
# years of credit _:
# inquiries BEFORE :
utilization BEFORE : 1% (approx)
Total CL BEFORE ___: $ 43,800 reporting, $19,000 on non-reporting Chase card
New CL from CLI ___: $ 6,200 post-AOR (hard pull)
Total CL AFTER ____: $152,600 = 3.48x before
utilization AFTER _:
Bonuses from AOR ____: $1,265 value: $190 Cardoffers.com, 40K ThankYou pts, $375 Statement Credit, 17.5K Delta Miles, 12.5K Starwood pts
Expected AOR interest: $2,500, possibly more.

Name ___: THYTIMO
Date ___: 19 DEC 2006
FICO / FAKO before : Nov 11 & Dec 19,TransUnion 719---730,Experian --759---759,Equifax ---723---723
FICO / FAKO after _: 11 point drop
Applied # ____: 13 (8p 5b)
Approved # ___: 2 (2p 0b)
Approved % ___: 15% (25%p 0%b)
New CL from AOR ___: $ 24,100 = 0.28x HHI
Household Income __: $ 85,000
# years of credit _:
# inquiries BEFORE :
utilization BEFORE :
Total CL BEFORE ___: $ 23,300
New CL from CLI ___:
Total CL AFTER ____: $ 47,400 = 2.03x before
utilization AFTER _:
Bonuses from AOR ____: $ 565
Expected AOR interest:

Name ___: CardJuggler
Date ___: 07 DEC 2006
FICO / FAKO before : 777 EQ true FICO; TrueCredit FAKO: 776 TU, 772 EX, 795 EQ
FICO / FAKO after _: 142 point drop (635 EQ true FICO on 03 FEB 2007; TrueCredit FAKO: 672 TU, 639 EX, 754 EQ)
* EQ has dropped many of my old closed accounts, apparently leading TrueCredit to give a bogus high score
Applied # ____: 27 (21p 6b); plus 2nd Discover, 2nd Juniper and 3rd Citi rejected for too many apps
Approved # ___: 24 (17p 7b); CapOne (I already have one), Principal (InfiBank; I have a different card of theirs), Commerce Bank
Approved % ___: 89% (81%p 116%b); I applied for 1 Chase Bus card and got 2!
New CL from AOR ___: $294,900 = 1.47x HHI
Household Income __: $200,000
# years of credit _: 20+
# inquiries BEFORE : 8 TU, 12 EX, 9 EQ = 2, 5, 4 (within 6 mo) + 5, 6, 4 (6-12 mo) + 1, 1, 1 (over 12 mo)
* some of the inquiries were due to "hard pull" CLI before I knew about FatWallet!
utilization BEFORE : few % (though 89% on a HELOC; not sure if that matters)
Total CL BEFORE ___: $173,000 (though $11,000 was taken for new cards)
New CL from CLI ___: $ 61,700 (some with "hard pull" noted above)
Total CL AFTER ____: $518,600 = 3x before (less about $10K subsequently lost due to adverse action)
utilization AFTER _: 80% (do this at your own risk!)
Bonuses from AOR ____: didn't keep track
Expected AOR interest:

Name ___: FirstNational thread
Date ___: 14 NOV 2006
FICO / FAKO before : 709
FICO / FAKO after _: 30 point drop
Applied # ____: 65 (54p 11b)
Approved # ___: 25 (21p 4b)
Approved % ___: 38% (39%p 36%b)
New CL from AOR ___: $271,500 = 1.18x HHI
Household Income __: $230,000
# years of credit _:
# inquiries BEFORE :
utilization BEFORE : 32%
Total CL BEFORE ___: $128,000
New CL from CLI ___:
Total CL AFTER ____: $399,500 = 3.12x before
utilization AFTER _:
Bonuses from AOR ____: $ 440
Expected AOR interest:

Name ___: Dbalkunjr
Date ___: 10 Nov 2006; 36 days to receive all cards
FICO / FAKO before : 781 TU, 732 EXP, 750 EQ
FICO / FAKO after _: 30 point drop (TU-742 EXP-708 EQ-723; Obviously not all balances reporting yet)
Applied # ____: 30
Approved # ___: 29
Approved % ___: 97%
New CL from AOR ___: $295,000 = 2.1x HHI
Household Income __: $140,000
# years of credit _:
# inquiries BEFORE :
utilization BEFORE : 4%
Total CL BEFORE ___: $150,000
New CL from CLI ___:
Total CL AFTER ____: $445,000 = 2.97x before
utilization AFTER _:
Bonuses from AOR ____: $1,500 in rewards (card offers & sign up bonus) $1,200 Cash Back over next year for new rewards programs for purchases.
Expected AOR interest: $4,500 net

Name ___: djspray thread
Date ___: 05 Nov 2006; took about 5 hours
FICO / FAKO before : 728 EX, 707 EQ, 695 TU
FICO / FAKO after _: 32 point drop (average), bumped to -2 (average) after 1 month
Applied # ____: 20 (2 checking/savings)
Approved # ___: 14 (2 checking/savings)
Approved % ___: 70%
New CL from AOR ___: $ 45,000 = 0.69x HHI
Household Income __: $ 65,000
# years of credit _:
# inquiries BEFORE :
utilization BEFORE : 5% (or less)
Total CL BEFORE ___: $ 17,300
New CL from CLI ___:
Total CL AFTER ____: $ 62,300 = 3.6x before
utilization AFTER _:
Bonuses from AOR ____: $1,980 value: $155 check from Cardoffers, $625 cash/statement credits, 50K ThankYou Points, $50 AMEX Points for GC's, $150 Tiger Direct GC, 50K UA Miles
Expected AOR interest: No BT's yet, but financing car soon.

Name ___: Scott1961 thread
Date ___: Mine was a rolling accidental AOR that started early Oct ended Mid Nov
FICO / FAKO before : 811 (Lowest of real FICOs)
FICO / FAKO after _: 30 point drop to 781 FICO
Applied # ____: 10
Approved # ___: 10
Approved % ___: 100%
New CL from AOR ___: $356,000
Household Income __: $300,000+
# years of credit _:
# inquiries BEFORE :
utilization BEFORE : 0%
Total CL BEFORE ___: $ 45,000
New CL from CLI ___:
Total CL AFTER ____: $401,500 = 8.92x before
utilization AFTER _:
Bonuses from AOR ____: $ 100
Expected AOR interest: $7,500 gross

Name ___: fatwallet2099
Date ___: 10/1/06 till 3/10/07
FICO / FAKO before : 786
FICO / FAKO after _: 113 point drop (FICO 673)
Applied # ____: 40 plus ??
Approved # ___: 25
Approved % ___:
New CL from AOR ___: $250,000 = 1.47x HHI
Household Income __: $170,000
# years of credit _:
# inquiries BEFORE :
utilization BEFORE : 10% (or less)
Total CL BEFORE ___: $ 40,000
New CL from CLI ___:
Total CL AFTER ____: $290,000 = 7.25x before
utilization AFTER _: 40%
Bonuses from AOR ____: $5,500 value; $1,400 of it outright credits
Expected AOR interest: $3,500

Name ___: Baldrick
Date ___: 9/06 all apps on same day
FICO / FAKO before : 768 (Equifax FICO); 753 eq, 754 ex, 739 tu (FAKOs)
FICO / FAKO after _: 100 point drop, 668 eq, 667 ex, 667 tu
Applied # ____: 9
Approved # ___: 9
Approved % ___: 100%
New CL from AOR ___: $102,500 - 0.98x HHI
Household Income __: $105,000
# years of credit _:
# inquiries BEFORE :
utilization BEFORE : 10% (approx; credit cards only)
Total CL BEFORE ___: $ 22,000
New CL from CLI ___:
Total CL AFTER ____: $124,500 = 5.66x before
utilization AFTER _: 33% (credit cards only)
Bonuses from AOR ____: $ 175
Expected AOR interest: $2,500 (at least)

Name ___: mjohns2
Date ___:
FICO / FAKO before : 724 (ELOAN)
FICO / FAKO after _: 67 point drop: 643 TU, 668 EQ, 655 EXP
Applied # ____: 12
Approved # ___: 9
Approved % ___: 75%
New CL from AOR ___: $ 20,000 = 1.3x HHI
Household Income __: $ 15,000
# years of credit _:
# inquiries BEFORE :
utilization BEFORE : 3% (approx)
Total CL BEFORE ___: $ 14,500
New CL from CLI ___:
Total CL AFTER ____: $ 34,500 = 2.38x before
utilization AFTER _:
Bonuses from AOR ____: $1,193 value: $343 Cash + $500 GC + $375 Statement Credit
Expected AOR interest: $ 775 (used $2,000 0% bt to open many new bank accounts for signup bonuses as opposed to letting it sit in 5% to make ~50-75 bucks)

Name ___: grendhal
Date ___: ? ~1 hour
FICO / FAKO before : 781/780/781 EX/EQ/TU
FICO / FAKO after _: 10 point drop
Applied # ____: 17
Approved # ___: 15
Approved % ___: 88
New CL from AOR ___: $259,900 = 1.5x HHI
Household Income __: $175,000
# years of credit _:
# inquiries BEFORE :
utilization BEFORE : 0.15%
Total CL BEFORE ___: $121,300 (AMEX pulled $26,000 of this for my new cards)
New CL from CLI ___:
Total CL AFTER ____: $355,200 = 2.93x before
utilization AFTER _:
Bonuses from AOR ____: $2,200 value: $550 cash, 165k miles (maybe more after dumping BT money in Fidelity or Ameritrade)
Expected AOR interest:

Notes
In Applied / Approved: p for personal, b for business
CL = credit limit (across all cards)
HHI = household income (as stated when applying)
FICO = "true" FICO from myFICO or Equifax
* (the WAMU/Providan FICO is a "true" CreditCard FICO, but isn't comparable to the above)
FAKO = a "fake" credit score, e.g. from TrueCredit, PrivacyMatters, etc.

(formatted by CardJuggler)