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PorStaker's AOR Results are in! Archived From: Finance

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alert mods    
   posted: Sep. 21, 2007 @ 2:57p

PorStaker said:WalStMonky said:Well I can't seem to find the thread right now. Perhaps the mods deleted it since FW itself will probably fold up when the AORs go the way of the do do bird. But it is of no importance really as I've noticed people have been declaring AORs dead at regular periodic intervals for the last several years so I'm relatively certain that you'll see a restatement of the death notice soon.

So are you saying I should wait a month until the statements go away, or should I just hope I catch things between intervals?

I think if you read between the lines he's saying you should disregard what he's saying as he's being facetious and may be trying to make a point in a round-about way. Point being: the game's not shutting down and maybe people should stop with the sky is falling crap. There may be variances in the final profit #'s, but there'll always be options.

PS By no means will I claim to be a top resource, but my AOR had most every BT-attractive card (1 or 2 per issuer at least) I could find.


alert mods    
   posted: Sep. 22, 2007 @ 5:24a

Your AOR looks good, I have chosen to do only one card per each issuer that would give me a 0% BT APR and the others offer incentives like points. Yours looks like you did a good job, I will probably just go directly to it when I apply for my business CC. I would like to know how much you come out ahead with all that.

As for the AMEX vs TrueCredit, anyone know if I will or will not be issued bumpage before the 30 day trial is over on either one? I want to know if pulling my credit everyday on either on is helping or just a waste of time.


alert mods    
   posted: Sep. 22, 2007 @ 6:17a

PorStaker said:Your AOR looks good, I have chosen to do only one card per each issuer that would give me a 0% BT APR and the others offer incentives like points. Yours looks like you did a good job, I will probably just go directly to it when I apply for my business CC. I would like to know how much you come out ahead with all that.

As for the AMEX vs TrueCredit, anyone know if I will or will not be issued bumpage before the 30 day trial is over on either one? I want to know if pulling my credit everyday on either on is helping or just a waste of time.YMMV but I saw bumpage at TU after approx 45 pulls using ONLY TrueCredit. EQ takes more something like 90 I believe. Someone tested this, measured the number of pulls and came close to the same numbers for TU & EQ.. EX is n/a as you're probably already aware.


alert mods    
   posted: Sep. 22, 2007 @ 2:29p

Wow, I just update my report today and found a nice surprise:

Primary # of inquiries: 19 8 14
Current # of inquiries: 16 8 14

Some are already falling off, probably not due to requesting my report 3 times but some of these inquires are probably getting to that point. Simply a coincidence that they will start falling off now. Any chance that my credit report pulling will affect some of these inquires to fall off the report quicker, or is it only because it is their time and my effects will not take place until the 45 day mark?


alert mods    
   posted: Sep. 23, 2007 @ 3:37p

It will likely take close to 45 days before any TU inq fall off. Of the 3 off today, probably due to aging 24 months...

FYI... Just today,(56 pulls post AOR), my EQ inquiries are now beginning to fall off as always, YMMV.


alert mods    
   posted: Oct. 6, 2007 @ 11:58p

jackcrawfish said:It will likely take close to 45 days before any TU inq fall off. Of the 3 off today, probably due to aging 24 months...

FYI... Just today,(56 pulls post AOR), my EQ inquiries are now beginning to fall off as always, YMMV.


Sign up for all the services

I pull CS,TU,PM123,CHASE,and puchase Equifax once per day and some my fico's
It cost a bit but iv'e lost 20 eq's 18 tu's in about 10 days but I also disputed some inq's on EQ!!!12 of them NO PROBLEM AT ALLLLLLLL, I just got the credit report from EQ today each inquire that WAS STILL there got remove but a few JUST SAID "these are not showing on your file" end quote.... SOOOOOO SIMPLE YMMV

Good luck I'll be checking in..

PS some think its dishonest to dispute PP INQUIRE but I think it sucks when I get 3 from CRAP 1 or from lenders that don't service my area (that costs my $$$$ for no reason) YA GATTA PLAY THE SYSTEM...


alert mods    
   posted: Oct. 7, 2007 @ 12:09a

You should check out my AOR and add the GE Money Low APR card (its in my WIFE's AOR - not mine). 0% BT for 12 months with a $75 cap.

Call them and ask about the $75 before you apply though. It says on the front page of the card there is a $75 cap but the terms mention no $75 cap. But I think they just use the same terms for all their cards so the terms on the website may not be accurate for that card.


alert mods    
   posted: Oct. 28, 2007 @ 12:11p

win333 said:
Sign up for all the services

I pull CS,TU,PM123,CHASE,and puchase Equifax once per day and some my fico's
It cost a bit but iv'e lost 20 eq's 18 tu's in about 10 days but I also disputed some inq's on EQ!!!12 of them NO PROBLEM AT ALLLLLLLL, I just got the credit report from EQ today each inquire that WAS STILL there got remove but a few JUST SAID "these are not showing on your file" end quote.... SOOOOOO SIMPLE YMMV

SO if I sign up for all of the services, each soft inquiry counts from each site? That is exactly what I was looking for before I wasted my money. Could you do me a favor and spell out all of those services so I don't have to guess. After that I will try and find some promotions to take advantage of for a lower price.


alert mods    
   posted: Oct. 28, 2007 @ 1:02p

Not to derail this too much... but I am flabbergasted that you are able to get 130k+ credit lines on a poverty level retail salary.

It just astounds me.


alert mods    
   posted: Oct. 29, 2007 @ 3:12p

aeiouy said:Not to derail this too much... but I am flabbergasted that you are able to get 130k+ credit lines on a poverty level retail salary.

It just astounds me.

Well I did make around 50k last year in spite of being a student. This year it will be a lot less because I have no businesses going as I have focused more on my education. Like I tell everyone else, if they ask for HHI I give them that, if they want personal I will give them that.


alert mods    
   posted: Nov. 9, 2007 @ 7:05a

Thanks for all the help guys. Just submitted about 30 apps, results have been posted as of the instant approvals, and the not so instant. Wish me luck with the deferreds, I believe that the limit of 2 cards per issuer (3 for one) will keep me safe with everyone of them.


alert mods    
   posted: Nov. 30, 2007 @ 4:21p

Final Results are in, this post is just a bump. Looks like I was pretty successful. Will see in about a year.

Anyone know the conversion rate on the Chase priority points?


alert mods    
   posted: Nov. 30, 2007 @ 11:02p

Where did you find the "conversion" for Chase Priority Club Points??? It looks like it is way less then a penny a point (ie free hotel for 25K) am I missing something?


alert mods    
   posted: Dec. 2, 2007 @ 1:45a

dmlavigne1 said:Where did you find the "conversion" for Chase Priority Club Points??? It looks like it is way less then a penny a point (ie free hotel for 25K) am I missing something?
With my card came a small broacher that says 5,000 points = $50 statment credit.


alert mods    
   posted: Dec. 2, 2007 @ 7:23a

PorStaker said:Final Results are in, this post is just a bump.
Is there anywhere in the topic where you list cards you were approved for, what their credit limits where, and where you did your advances?

That would be useful.


alert mods    
   posted: Dec. 3, 2007 @ 6:47p

Yes, I did. It is the second post, first reply.


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