Detailed FAKO score progression moved here also

ALL NUMERIC DATA PRESENTED IN THE FOLLOWING BUREAU ORDER: TU,EX,EQ
METRICS INCLUDED ARE IN THE FOLLOWING ORDER: TC FAKO--OPEN--INQ--UTIL%

769,763,768--06,07,07--01,02,07--00%,00%,00%__07-19

766,757,749--06,07,07--03,05,16--00%,00%,00%__07-29__(30 minutes following completion of AOR)
769,757,749--06,07,07--03,05,16--00%,00%,00%__07-30__(EX FICO=787 per WAMU [myFICO.com]) (2 inq disappeared for TU)
768,755,747--06,07,07--03,06,17--00%,00%,00%__07-31
766,751,747--06,10,07--03,06,17--00%,00%,00%__08-01__(3 new accts reporting to EX) (Discover, BOA, NAT'L Parks = 8.0,7.2,10.0)
766,751,735--09,10,10--03,06,17--00%,00%,00%__08-02__(3 new accts reporting to EQ&TU) (Discover, BOA, NAT'L Parks = 8.0,7.2,10.0)
766,751,730--09,10,10--03,06,19--00%,00%,00%__08-03__(2 inq to EQ) (CITI 8/2 + ADVANTA 8/2)
766,751,727--09,10,10--03,06,20--00%,00%,00%__08-04__(1 inq to EQ) (CBUSA/CBSD 8/3)
764,751,727--09,10,10--04,06,20--00%,00%,00%__08-05__(1 inq to TU) (PULASKI 8/3)(CreditXprt scores>TU=770 EX=772 EQ=774)
764,747,724--09,10,10--04,08,21--00%,00%,00%__08-06__(2 inq to EX & 1 inq to EQ) (Wells + Wells & ELAN)
764,747,724--09,10,10--04,08,21--00%,00%,00%__08-07
762,747,719--09,11,10--05,08,23--00%,00%,00%__08-08__(2 inq to EQ & 1 inq to TU//1 acct to EX)(FUSA 8/8 + ADVANTA 8/8 & NCBK-NCCS 8/8)(HSBC = 0.6)
764,737,719--10,10,11--04,08,23--00%,00%,00%__08-09__(1 inq for cli NCBK-NCCS 8/8 yesterday removed from TU;**EX lost one active account)
762,737,719--10,10,11--05,08,23--00%,00%,00%__08-10__(1 inq to TU)
762,737,719--10,10,11--05,08,23--00%,00%,00%__08-11__scores assumed - no pull this day
762,712,719--10,12,11--05,08,23--00%,01%,00%__08-12__(2 accts EX. **CL realloc decreases?)Citi PPE and Wells Fargo (0 CL and 16500CL )
762,712,719--10,12,11--05,08,23--00%,01%,00%__08-13
745,710,719--11,13,11--05,09,23--01%,00%,00%__08-14__(1 acct TU, 1 acct EX, 1 inq EX) Citi PPE at TU (0 CL) Disc and Citi dropped CL (-7000,-26000) RBS Kroger at EX (6500 CL)
742,717,719--13,14,11--05,09,23--00%,00%,00%__08-15__(2 acct TU, 1 acct EX RBS) Wells Fargo and ING LOC at TU (16500 CL and 10000 CL) ING LOC at EX (10000 CL)
742,710,715--14,15,15--05,09,23--00%,00%,00%__08-16__(1 TU,1 EX,4 EQ accts) TU=RBS...EX=UPROM...EQ=PPE,Wells,ING,RBS EQ = PPE(0), Wells(16500), RBS(6500), ING(10000) & Disc (-7000), Citi (-26000) EX = UPROM(500) TU = RBS(6500)
742,710,713--14,15,15--05,09,24--00%,00%,00%__08-17__(Citi Universal Inquiry dated 8/16 perhaps related to reallocation?)
742,710,713--14,15,15--05,09,24--00%,00%,00%__08-18__(1 acct TU UPROM)
742,710,712--15,15,16--05,09,24--00%,00%,00%__08-19__(1 acct EQ UPROM)
742,701,712--15,15,16--05,09,24--00%,01%,00%__08-20__($475 LOC balance reports at EX AND 2nd Mort reduced to 5699 from 7111)
742,701,712--15,15,16--05,09,24--00%,16%,00%__08-21__[1 acct EX NATLCITY {12,750 bal}] BOA at EX reports updated Line of $20k; EX,EQ,TU PLUS Scores (via AMX) 771_771_780
742,701,712--15,15,16--05,09,24--01%,16%,00%__08-22__($475 LOC balance reports at TU AND 2nd Mort reduced to 5699 from 7111)
729,701,680--16,16,17--05,09,24--19%,16%,19%__08-23__[1 acct EQ & TU NATLCITY {12,750 bal}]
729,701,680--16,16,17--05,09,24--19%,16%,19%__08-24
729,701,680--16,16,17--05,09,24--16%,16%,19%__08-25__TU = BOA CLI to $20000
729,701,680--16,16,17--05,09,24--16%,16%,19%__08-26__scores assumed - no pull this day
729,701,680--16,17,18--05,09,24--16%,15%,15%__08-27__(1 acct EX & EQ BOA NEA) EQ = BOA CLI to $20000
729,701,680--16,17,18--05,09,24--16%,15%,15%__08-28
729,701,680--17,17,18--05,09,24--15%,17%,15%__08-29__(Barclays "Parks" line reduction from 10K to 1k reports EX) (1 acct TU BOA NEA)
729,701,678--17,17,18--05,09,24--17%,17%,17%__08-30__(Barclays "Parks" line reduction from 10K to 1k reports to TU & EQ)
729,701,678--17,17,18--05,09,24--17%,17%,17%__08-31
729,701,678--17,17,18--05,09,24--17%,17%,17%__09-01
729,701,678--17,17,18--05,09,24--17%,17%,17%__09-02__scores assumed - no pull these days
732,701,678--17,17,18--04,09,24--17%,17%,17%__09-03__1 TU Inq drops off (dated 11/23/2005)
732,694,678--17,18,18--04,09,24--17%,17%,17%__09-04__(1 acct EX ATTUniversal)
732,694,678--17,18,18--04,09,24--17%,17%,17%__09-05
732,701,678--18,18,19--04,09,24--17%,32%,17%__09-06__(1 acct EQ & TU ATTUniversal; 1 acct EX Citi Prof) EX Citi PPE reports as closed by consumer
729,701,678--18,18,19--04,09,24--42%,32%,61%__09-07
729,701,678--18,18,19--04,09,24--42%,32%,61%__09-08__scores assumed - no pull these days
734,682,657--18,19,19--03,09,24--32%,20%,48%__09-09__(1 acct EQ & TU Citi Prof; 1 acct EX AMX_IN:CHI) TU & EQ Citi PPE reports as closed by consumer; EQ BOA $15K bal shows-up; 1 TU Inq drops off (BRCLYSBANKDE dated 07/29/2007)
734,669,657--18,19,19--03,09,24--32%,29%,48%__09-10__EX BOA $15K bal shows-up
690,663,657--20,19,19--03,11,24--29%,35%,48%__09-11__2 acct TU CHASE Home&AMX; EX Wells $9k bal shows-up TU BOA $15K bal shows-up; 2 Inq at EX for BOA savings and checking accts
690,663,657--20,20,19--03,11,24--29%,35%,48%__09-12__1 acct EX CHASE Home;
686,663,670--20,20,21--03,11,24--35%,35%,35%__09-13__2 acct EQ CHASE Home&AMX; TU & EQ Wells $9k bal shows-up
688,663,670--20,20,21--02,11,24--35%,35%,35%__09-14__1 TU Inq drops off (Nat'l City dated 7/29/2007)
688,663,670--20,20,21--02,11,24--35%,35%,35%__09-15__scores assumed - no pull these days 683 FICO score at Equifax
688,670,670--20,20,21--02,11,24--35%,34%,35%__09-16__1 acct EX CHASE Sony; EX 2nd mortgage reports as paid in full
686,670,670--20,20,21--03,11,24--34%,34%,35%__09-17__1 inq TU Barclays app for another personal card 1 acct TU CHASE Sony
688,670,670--19,21,21--02,11,24--34%,34%,35%__09-18__1 TU Inq drops off (Barclays dated 9/17/2007); TU 2nd mortgage reports as paid in full 1 acct EX Juniper Emigrant Direct
686,670,670--19,21,21--02,11,24--34%,34%,35%__09-19__1 EQ inq drops off (wireless dated 12/06/2005); 1 inq EQ app for Salem Five account; 1 inq TU Barclays app for another personal card shows up again
686,670,669--20,21,22--02,11,24--34%,34%,34%__09-20__1 acct TU & EQ Juniper Emigrant Direct; 1 acct EQ CHASE Sony; EQ 2nd mortgage reports as paid in full
686,670,669--20,21,22--02,11,24--34%,34%,34%__09-21__EX,EQ,TU PLUS Scores (via AMX) 739_739_768
686,670,669--20,21,22--02,12,23--34%,34%,34%__09-22__scores assumed - no pull these days
692,668,675--21,21,23--01,12,21--32%,34%,32%__09-23__2 EQ INQ drops off dated 10/30/2006 & 3/28/2007; 1 TU Inq drops off (NAT'L City dated 8/8/2007); 1 acct WAMU at TU & EQ;EX,EQ,TU PLUS Scores (via AMX) 739_739_772
692,668,675--21,21,23--01,12,20--32%,34%,32%__09-24__1 EQ INQ drops off dated 6/22/2007
692,668,683--21,21,23--01,12,18--32%,34%,32%__09-25__2 EQ INQ drop off dated 6/27/2007 & 7/10/2007
692,671,683--21,21,23--01,12,18--32%,34%,32%__09-26__CreditXprt scores via IdentityMonitor>TU=695 EX=677 EQ=693
692,671,683--21,22,23--01,12,18--32%,32%,32%__09-27__1 acct WAMU at EX
692,671,683--21,22,23--01,12,17--32%,32%,32%__09-28__scores assumed - no pull these days
692,671,686--21,22,23--01,12,17--32%,32%,32%__09-29__1 EQ INQ drops off (CHASE dated 7/29/2007)
692,671,690--21,22,23--01,12,14--32%,32%,32%__09-30__2 EQ INQ drop off (HSBC NV & Infibank dated 7/29/2007
692,671,698--21,22,23--01,12,12--32%,32%,32%__10-01__3 EQ INQ drop off (CBUSA/CBSD & CITI USA & KROGER dated 7/29/2007
692,671,703--21,22,23--01,12,10--32%,32%,32%__10-02__2 EQ INQ drop off (Citi & Citi dated 7/29/2007)
692,671,708--21,22,23--01,12,08--32%,32%,32%__10-03__2 EQ INQ drop off (FIRST USA & FIA CSNA dated 7/29/2007)TU FICO=689 per WAMU [myFICO.com]
692,677,711--21,22,23--01,12,08--32%,31%,31%__10-04__Citi reallocated line increase from 5k to 13.5k @EX,EQEX,EQ,TU PLUS Scores (via AMX) 769_749_772
692,677,714--21,22,23--01,12,06--32%,30%,31%__10-05__2 EQ INQ drop off (Citi & Advanta dated 8/2/2007)
698,677,717--21,22,23--01,12,05--31%,30%,31%__10-06__1 EQ INQ drop off (CBUSA/CBSD dated 8/3/2007)Citi reallocated line increase from 5k to 13.5k @ TU
698,677,717--21,22,23--01,12,05--31%,30%,31%__10-07__scores assumed - no pull these days
698,677,717--21,22,23--01,12,05--30%,30%,30%__10-08
698,677,720--21,22,23--01,12,04--30%,44%,30%__10-09__1 EQ INQ drop off (ELANFINSVC dated 8/6/2007) EX AMX $24K bal shows-up
698,677,720--21,22,23--01,12,04--30%,44%,30%__10-10
698,677,715--21,22,23--01,12,02--44%,44%,44%__10-11__2 EQ INQ drop off (FUSA, NA & ADVANTA dated 8/8/2007) EQ & TU AMX $24K bal shows-up
698,669,715--21,23,23--01,12,02--44%,41%,44%__10-12__EX Final account reports balance - PRINCIPAL 9.6k
698,669,715--21,23,24--01,12,02--44%,45%,45%__10-13__EQ Final account reports balance - PRINCIPAL 9.6k
698,669,715--21,23,24--01,12,02--44%,45%,45%__10-14
698,669,721--21,23,24--01,12,01--44%,45%,45%__10-15__1 EQ INQ drop off (CITI Univ dated 8/16/2007)
696,669,721--22,23,24--01,12,01--45%,45%,45%__10-16__TU Final account reports balance - PRINCIPAL 9.6k

720,701,747--20,21,30--03,11,00--30%,30%,30%__03-16__Some Equifx accounts are in dispute. They re-open closed accounts while being investigated.
______________________________________________CreditXprt scores via IdentityMonitor>TU=689 EX=682 EQ=683

726,695,745--20,21,21--03,10,00--xx%,xx%,xx%__04-16
722,689,745--20,21,21--03,11,00--xx%,xx%,xx%__05-01
724,695,745--20,21,21--02,11,00--xx%,xx%,xx%__05-02__TU b*
726,695,745--20,21,21--01,11,00--xx%,xx%,xx%__05-05__TU b*
726,710,745--20,21,21--01,11,00--xx%,xx%,xx%__05-07__$20k Citi Prof Paid at EX
726,710,755--20,21,21--01,11,00--xx%,xx%,xx%__05-08__$20k Citi Prof Paid at EQ
743,710,767--20,21,21--01,11,00--xx%,xx%,xx%__05-12__$20k Citi Prof Paid at TU
753,730,767--20,21,21--01,11,00--xx%,xx%,xx%__05-13__$8k Infi at EX; $9k UProm at TU
771,722,767--20,21,21--01,11,00--xx%,xx%,xx%__05-14__$8k Infi at TU
771,722,774--20,21,21--01,11,00--xx%,xx%,xx%__05-15__$8k Infi at EQ
772,722,774--20,21,21--00,11,00--xx%,xx%,xx%__05-18__TU b*
772,730,773--20,21,21--00,11,00--xx%,xx%,xx%__05-22__Paid of small $50 LOC balance at EX
772,730,769--20,21,21--00,11,02--xx%,xx%,xx%__05-29__EQ 2 hards - CLI req (RBS & CHASE)
772,730,761--20,21,21--00,11,06--xx%,xx%,xx%__05-30__EQ 4 hards - CLI req (citi, citi, citi, citi)
771,730,761--20,21,21--01,11,06--xx%,xx%,xx%__06-01__TU 1 hards - CLI req (NAT'L City)
771,730,760--20,21,21--01,11,06--xx%,xx%,xx%__06-08__EQ incorrectly reports Infi $2k cli as a cld from $14,000 to $1,600 (missing a zero)
771,737,760--20,21,21--01,11,06--xx%,xx%,xx%__06-09__EX reports $500 cli for a CHASE account & $2k cli for Infi

780.750.785--20,21,21--01,11,06--00%,00%,00%__06-19__ALL BALANCES REPORT AS PAID OFF - AOR COMPLETE

780.750.792--20,21,21--01,12,01--00%,00%,00%__08-16__AOR COMPLETE

**In June, I closed a small Credit Union LOC. It had been open for 5 years. 1 account closed=10 point drop in score at EXP.
**from Citi 31k↓5k and Discover 8k↓1k

Opened an Everbank checking and Money market account to continue receiving 6% APY as the FNBO account promotion ends this Friday.

I will fund the Everbank accounts via wire transfer as I have over $175K and don't want to miss 2-3 days interest. At $28 interest earnings per day, the $15 FNBO outgoing wire fee is well worth it.

$100000 will reside in the checking account (everything over 100000 in checking is at 5.01%). $75000 will reside in the money market account (everything over 50000 in checking is at 5.01%).

As it stands today, after the intro promo period, the APY is 5.01% (I may shop around again and rate chase come X-Mas).

I'm very pleased to see bumpage at Equifax (56 soft pulls later) as I had concerns over whether bumpage was no longer a possibility (bumpage link query). TU meanwhile has only one inquiry left on that report from a foolish Juniper card application experiment.

I am still waiting on the AMX balance transfer to report. I also am waiting on Principal to even report the card as open... Still more hurt to come but thankful for the TU and EQ bumpage thus far. My hope is that TU and EQ have already bottomed out.

I have gone thru all the posts in this thread but may be I have missed somthing. I couldn't find the reason why you get declined for Advanta Business card. I applied few days ago and I got declined and the reason is "Few Finance accounts in your credit report". I have decent enough history of 6 years with scores in the range of 750-765 across 3 CRA's.

Thanks Jack for your prompt reply. I am thinking of giving them a call as I have been approved for $40000 from chase business alone.

Extend Promos?
I was unsuccessful with my attempts to extend intro 0% 6 month APR for M&T, AM3X, Wells Fargo and National City.

I'm gambling a bit with the next 2 paragraphs but figure that since I have not seen any adverse from AM3X....I'll push the envelope with Citi....

Harvesting
I opted to reallocate $10,500 from Citi Dividend Platinum Select (my everyday spending card) to Citi UPromise raising that limit to $11,000. I then initiated a $10,000 check to self. I'll use this cash to pay down the 6 month moneys coming due in February.

Additionally with Citi, I issued payment to self from Professional card via ACH to FNBO account for $5,000 (I only left $112 available).

Where's My Money?

5.30%  $27,860 Countrywide SavingsLink(sm)
5.05%  $5,000 FNBO savings
5.50%  $20,000 Countrywide 3 month CD matures 3/17/08
9.36%  $125,000 SECU 7 month CD matures 5/1/08

Chase sent an adverse action letter.

My line was originally $8k... and then I reallocated $8.5k from SONY and HOME personal cards. From $16,500 they dropped me to slightly above my balance at $14,800.

Equifax was the source of information. Too many recent tradlines and usage.

You may also want to call or email on those 6m BT exp. dates. I did a mini-AOR almost the same time as you and my IN:LA and National City 6m BT will end in early Feb not March...

jackcrawfish said:I made a mistake in my cash flow planning and will test the limits of Citi and BOA to make up for my own math error.

MATH:

As of 1/15/2008:
I have $37,000 in liquid A_O_R cash.
I have $145,000 in non-liquid A_O_R CD-cash ($20,000 available 3/21/2008; $125,000 available 5/1/2008).

By 3/4/2008:
I need to payoff $51,000 on some 6 month cards (so let's see ... 37000-51000 = (14000 shortfall)....

Resolution
How am I going to come up with the extra $14,000?

Citi Biz will be tapped for $3,000 (making Citi's total utilization 91% for February statement)
BOA has been tapped for $4,500 (making BOA's total utilization 86% for February statement)
The remaining $6,500 will be coming from a $10k LOC I have at ING **interest paid sucks!

** (I'll use $6,500 from 3/3/2008 to 3/21/2008 @11% APR) grrr

on the bright side. TOTAL personal utilization will drop from 54% to just 26% by the February statement period....

crossing my fingers for no adverse action......... gambling a bit

good updates

jackcrawfish said:I made a mistake in my cash flow planning ...

Citi Biz will be tapped for $3,000 (making Citi's total utilization 91% for February statement)
BOA has been tapped for $4,500 (making BOA's total utilization 86% for February statement)

....crossing my fingers for no adverse action......... gambling a bitDISCOVER reduced my business credit line from 10,500 to 7,800 on 2/10/2008 statement date (citing various credit profile reasons)...TU FICO for February update = 663 ... down from 692....

OP: what worked last summer: likely not work now due to credit crunch.