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Unbelieevable's 2/28/07 AOR (with daily updates) Archived From: Finance

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The Sony card showed up in my online Chase login today with the rest of my already existing cards (still don't have the card yet though) and showing a limit of $7,000.


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Did you do the Applications online and then conact the cards you mention for CL increases? Look forward to seeing an update on some of those cards.

Good work

Rob


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Looks great - good luck on the pending application status.

Sorry to be a little OT but I couldn't find a definite answer on this:

Does PrivacyMatters.com allow you to pull your credit report and score on a DAILY basis for a flat fee? How much is the flat fee?


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Bob45 said:markkundinger said:...

How aggressively do you intend to use 0% transfers, and where do you intend to put it?


Bet it all on black, baby!



LOL I would bet red!


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drdavidge said:Does PrivacyMatters.com allow you to pull your credit report and score on a DAILY basis for a flat fee? How much is the flat fee?

Yes, you can pull on a daily basis using PrivacyMatters.com. I just signed up for a free trial though, and will cancel before being charged, and then sign up for the TrueCredit.com WalMart $11.xx/month special.


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Unbelieevable said:cardjuggler said:Unbelieevable said:Anyone have any experience with reallocation of HSBC lines?
Per the CC Issuer FAQ, I'm the only one who reported, and the answer for me (with GM cards) was NO.

YMMV.


Thanks.


I asked a HSBC rep about this and he indicated they will reallocate visa to visa, MC to MC, but not visa to MC or vice-versa. Also, he said they will not reallocate to/from private label cards like GM.


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Decided yesterday to get another Savings account...chose to get the iGObanking 5.3% Savings Account after reading this thread.


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OP, Could you tell which of the cards from your list offered you (blank)checks for balance transfer (that you can deposite into your savings a/c)?


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mepatel said:OP, Could you tell which of the cards from your list offered you (blank)checks for balance transfer (that you can deposite into your savings a/c)?

I'd like to know that too. Unfortunately, I haven't received any of them yet because I just did this AOR on Tuesday. I expect to receive some of the cards this week.


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robertw477 said:Did you do the Applications online and then conact the cards you mention for CL increases? Look forward to seeing an update on some of those cards.

Good work

Rob


I did the applications online and also did the credit limit increases online. Chase and AMEX both have online credit limit increase requests.


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rogerbeagle said:I'll be putting together an AOR on behalf of my old lady (she hates that term!), you post will be useful.

You mean a wife-O-Rama. Me too. Thanks Unbelieevable!


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Did you go through cardoffers.com? It took some follow up, but I got about $500 in bonuses for my last AOR.


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can someone tell me what an AOR is?


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tarcapone said:Did you go through cardoffers.com? It took some follow up, but I got about $500 in bonuses for my last AOR.

I did not do any of these through cardoffers.com


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diggydoggy said:can someone tell me what an AOR is?

Read this.


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diggydoggy said:can someone tell me what an AOR is?

AOR = App-O-Rama


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This morning I called National City and Discover again. I found that I've been approved for the Discover Miles Card for 10K, and I should have the card in 4-6 days. I also requested some BT checks to be sent to me, and she said those should arrive in 5-7 days.

National City is another story. For some reason, they don't have a record of my application yet, even though I received 2 email confirmations from them after submitting my application. They were going to "check into the issue" and call me back.


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Just checked my CR for today...no change in scores from yesterday (see OP).

Also noticed that a couple of inquiries I had expected would fall off by now were still there:

FAC 03/02/2005 TransUnion
FDC 03/02/2005 TransUnion
FIRST AMERICAN CREDCO 03/02/2005 Experian
KROLL FACTUAL DATA/060 03/02/2005 Experian

Since it's been over 2 years, I thought they'd be gone by now...

These inquiries almost certainly have to do with my mortgage application because we purchased our home in June 2005.


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Unbelieevable said:Just checked my CR for today...no change in scores from yesterday (see OP).

Also noticed that a couple of inquiries I had expected would fall off by now were still there:

FAC 03/02/2005 TransUnion
FDC 03/02/2005 TransUnion
FIRST AMERICAN CREDCO 03/02/2005 Experian
KROLL FACTUAL DATA/060 03/02/2005 Experian

Since it's been over 2 years, I thought they'd be gone by now...

These inquiries almost certainly have to do with my mortgage application because we purchased our home in June 2005.


They won't be factored into your FICO score calculations. Inquiries over 1yr aren't counted, inquiries over 6 month have minimal effect.

Also, FYI, Experian keeps inquiries for 25 months, not 24 like everyone else. TU, I've noticed, doesn't drop them right on the 24 month mark either, they miss it by a few days. Either way, you shouldn't be concerned about those 4.


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Thanks sithlordabe


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