Have been unable to get any bumpage off of Equifax since they wiped out over 100 soft pulls.
However, my credit score is shaping up. I plan on doing my App-o-rama either this upcoming weekend or the weekend after, It will depend on when my balances all get updated. I have 5 TU, 3 EXPerian and 2 Equifax balances that need to update. I expect it to mive my score up about 15 more points on TU and EQ. I have no idea about experian as that one does not seem to repsond at all to all the changes made.

I plan on this apporama to be heavily business based. I aslo am planning on trying to get the creitors that use TU for the most part. From prior experiance, that will include citi, chase and juniper.

Discover pulled experian and AMEX pulls Equifax.
Will use cardoffers as well as other FW threads that have bonus offers, such as the citibank thread.

Also trying to convert my BOFA card from a standard worldpoints card to a fidelity signature card. I have a $65K cl with them and some creditors are spooked by the amount of credit that I have available. The fidelity card does not report balances and will have my avail credit down to a more reasonable level.

I currently have an overall utilization rate of 22%, this does not include business cards or cards that dont report CL. although overall utilizatoin is low I do have some relatively high utilization cards. 3 80>%-<90%, and 1 over 70%. most of the rest are at 0% or under 35% utilization.


Updated QS with FICO scores

I would seriously reconsider FNB Omaha -- many of us have had adverse actions regarding this card. In my case I was approved for a $15K credit line, and then had the card immediately closed by issuer for too many inquiries. See the adverse action thread for more information.

Link

Also, consider Discover Miles (there used to be a cardoffer bonus) -- you can earn 1,000 miles per month with a minimum purchase.

PNC has a business card as well as a personal card.

discover business doesn't have a 0% BT. I read the puchase checks and they have this in their T&C

If you use a PurchaseCheck to purchase or lease goods or services from a merchant, and you provide the merchant address in the space indicated on the check, the transaction will qualify as a purchase under the Cardmember Agreement. Any other use, including payments for rent, other loans, or payroll, or payments to a financial institution, will be treated as a cash advance, subject to the cash advance APR and Cash Advance Transaction Fee. A checkbox is provided on the check for you to indicate that the check qualifies as a merchant purchase. False statements made in connection with the use of PurchaseChecks may constitute a federal crime (18 USC § 1014). Qualified merchant purchases will accrue a fixed CashBack Bonus of .25% (.0025) of the amount of the purchases, and will be included in the total amount of purchases made during the anniversary year to determine the applicable percentage rate for your Purchase CashBack Bonus.

I may skip FNB altogether. FOr PNC has anyone gotten both personal and business at the same AOR or rejected for only 1 app allowed

nymgiants said:I may skip FNB altogether. FOr PNC has anyone gotten both personal and business at the same AOR or rejected for only 1 app allowed
I've gotten both personal and business PNC cards at the same time.

map174 said:I would seriously reconsider FNB Omaha -- many of us have had adverse actions regarding this card.
Green for the link; everyone should recogize the apparent pitfalls of that card. Still, here's an open question: would you be willing to add a "closed by issuer" to your credit report for $500? I'll take it.

(In case I'm being too obscure: roughly $10K BT @ 5% interest, or $10,500 @ 5.25% or higher though probably not for a full 12 months, and ignoring the declining balance, less $75 BT fee, plus $20 sign-up and usage credits.)

WHile I'm almost certain that 'closed by grantor' is a non issue if the account is 'paid as agreed' and the balance is 0, I'm not so certian that the CBG note on an account with a balance is going to be rated the same. But I'm going to find out, since my wife's FNBofO tradeline fits that description. The BT is for 15 months on this card, not 12.

All but one of my cards in TU have been updated on my Credit reports. Unfortunatly the one not updated is a new account that incorrectly shows 100% utilization when it should be 0%. Unfortunatly I tried to dispute but this was recently updated from a prior dispute with an incorrect credit limit and I can not do so online. I will call TU tomorrow to dispute.

I will begin applying apporama part 2 either saturday or sunday with the cards listed in the QS. I may make a change or 2 beforehand. and I will be doing them in order of which card I most want in case the declines for too many inquiries start coming in

approved for the last card I applied for AMEX gold charge card (25,000 points with first purchase). this makes 3 approved 1 decline the rest deferred.

I also can no longer pull my 3 in 1 report because my Equifax report got too big and now causes an error. Called Equifax and they are going to "TRIM" the report. They said it will take a day or 2.
Before that I was able to tell that 5 inquiries were done by experian, and 4 by TU.

I will break down each once I get access back to the credit reports

I Also got an email from advanta stating that normally i can only have one card but they will be happy to review the benfits to get me what best fits my need. Has anyone else received a 2nd card or called after getting this message to try to get another card?

Question on the PNC biz card...it didnt look like you can apply for that one with just a SS#...how did you apply?

I also just did an AOR and got all deferrals...as the results start coming in, I havent had any declines...I have 40 or so credit accounts so it must be a lot harder to get instant approval as the numbers increase...My citi PP card called and only giving me 2k limit since I have so many accounts with citi...

A sole proprieter is allowed to use SSN as his business tax id. Foolish to do so, but legal.