Thinking about it a little more though. I have been pulling daily for a long time and I don't know how deep they are. Do we know how many records they hold? I'm just wondering if there isn't more value in getting to the bulk of them and getting them off sooner regardless of how long it might take to bump off hte last few based on soft pulss in between. Any ideas?

I mean if I've aleady seen 24 out of 28 inquiries and won't see the others for 10 days or so. I could have those first few gone or getting close in a couple weeks and then have only 4 left to worry about for subsequent few weeks. I think it is hard to say which approach would be more valuable without knowing the depth of the credit bureau wells.

Maybe a new thread to take data from AORs and figure it out. There should be enough data across FW to get a pretty good idea. Someone may have even done a controlled experiment.

thisguy said:Thinking about it a little more though. I have been pulling daily for a long time and I don't know how deep they are. Do we know how many records they hold? I'm just wondering if there isn't more value in getting to the bulk of them and getting them off sooner regardless of how long it might take to bump off hte last few based on soft pulss in between. Any ideas?

I mean if I've aleady seen 24 out of 28 inquiries and won't see the others for 10 days or so. I could have those first few gone or getting close in a couple weeks and then have only 4 left to worry about for subsequent few weeks. I think it is hard to say which approach would be more valuable without knowing the depth of the credit bureau wells.

Maybe a new thread to take data from AORs and figure it out. There should be enough data across FW to get a pretty good idea. Someone may have even done a controlled experiment.

Ya I think your right, Find the balance that makes you comfortable and hopefully not spook AMEX, CHASE, FNBO and the like.
But just so everyone knows, there is a way to B* these off lickity split and not wait 60 days like some.

Sorry to interupt
AOR looks great, can't wait for more numbers

edit I think I was trying to find a way to not pull TC EVERYDAY and get booted (I admit I WAS WRONG).
back to the AOR

Added approvals for Citi Business and Citi Upromise

Added declined by Citi Professional. I understood from others that you could have more than one. Perhaps that's true if you go for 1 cash and 1 rewards but apparently not two rewards versions, or at least not in my case. I may call them to see if I could qualify for the cash version instead.

thisguy said:You know it's funny I haven't heard much from Chase... Patience got me $65K from Chase across five cards (then consolidated). I think you will do better!

You know, I don't think I was fully paying attention to the original post.

FORTY-THREE APPS?!

You're definitely exploring the frontiers of the convention (i.e. non-supercreditman) Apporama. Probably all kinds of good and bad things going to happen!

Something else just ocurred to me as I got another declined card due to too many inquiries. When doing my WOR I grouped my applications by lender. I think that may have yielded better results. If you spread them out and mix them up then most of your lenders will get a pull not only in the beginning but possibly near the end as well, this gives them more visibility into how many you actually pulled. For example:

Lenders a-f 3 apps at each could be:

AAABBBCCCDDDEEEFFF where A sees only their inquiries, B sees A and B etc. until F sees all of them. This is how I approach things in my WOR although without this theory guiding me.

Where as a mix like

ABCDEFABCDEFABCDEF would allow every lender to see many pulls. This is what I did this time and it may have been a bad choice.

I am just expanding on my AOR theory but it seems like there might be some validity here. Perhaps you should adhere strictly to the order of importance of card but consider clustering them by lender based on the most valuable.

Thoughts?

Thisguy

thisguy said:You know it's funny I haven't heard much from Chase and I applied for a lot of cards with them. The Home improvement card was instantly approved but not even an e-mail or a peep on any of the others. Since chase let's you allocate personal lines to business I am really hoping I get one of the business lines approved at least.

"The waiting is the hardest part. . . "

Cheers!
Thisguy

GREEN for the sweet Petty reference. ROCK ON, THISGUY!

I have a newbie question. I am interested in the BOA card listed as #9 in OP's list (BOA platinum 0% for 12mo NBTF). When I click on the link I see that card is listed with 12 months 0% interest with no cash transfer fees. However I can not find this card with these terms on any other website. I checked Cardoffers, Cardselection and BOA's websites and they show only 6 months with a 3% fee. Why is this offer only listed here? Will BOA honor this offer?

thisguy said:Something else just ocurred to me as I got another declined card due to too many inquiries. When doing my WOR I grouped my applications by lender. I think that may have yielded better results. If you spread them out and mix them up then most of your lenders will get a pull not only in the beginning but possibly near the end as well, this gives them more visibility into how many you actually pulled. For example:

Lenders a-f 3 apps at each could be:

AAABBBCCCDDDEEEFFF where A sees only their inquiries, B sees A and B etc. until F sees all of them. This is how I approach things in my WOR although without this theory guiding me.

Where as a mix like

ABCDEFABCDEFABCDEF would allow every lender to see many pulls. This is what I did this time and it may have been a bad choice.

I am just expanding on my AOR theory but it seems like there might be some validity here. Perhaps you should adhere strictly to the order of importance of card but consider clustering them by lender based on the most valuable.

Thoughts?

Thisguy

THISGUY

You are correct and I think sometimes you might get lucky and they'll use 1 pull for multiple APPS. SUPERCREDITMAN does this alot. i'm sure it's a YMMV but you might get lucky sometimes (nothing you can count on)

Ofcourse I know your scores are already way high, someone was asking advise the other day and here is how I see it.

A credit anylist must have a quota or something and I'm sure a track record. I think they are kinda backing the approval, they can streach the guidelines or not.

If said anylist has approved 20 accounts today and then here comes your APP with 15 INQ he may DENY it, but If he's denied all APPS for the last week MAYBE he needs to approve some. YMMV

Sometimes it's not about us, it's about them.

I'm sure they have dailly, weekly, monthly and annual quotas.

Each product has a quota.

The daily meeting may go something like this.

OK guys we are pushin the CITI PP today and tomorrow we're pushin the Thankyou network (or whatever, you know what I mean)

How does someone with a 580 creditscore get approved and a 700 might get declined.
I bet when an anylist approves a card, it may follow him and add or subtract from his job performance.

Why do you think that they call and talk to us sometimes, (they can massage your numbers) if they want to, need to(for quota) or have to.

That is why I figure I'll freeze EXP and hit lenders up all year, The more APPS you have out the more chance you'll be in line when they need to push 1 through.

Obviously A Christmas AOR will be in order , I can see there credit department now. Phones ringing off the hook, a solid busy 8 hour shift all month and tired anylists.

Imagine a line at WalMart, it has to be the same for them.

Also, SUPERCREDITMAN says that if you get (multiple INQ from the same lender on the same day), he says "TU will merge them into 1 pull" automaticly within a few days. I haven't seen this, but he does it all the time. So I think if you find a TU puller, it's best to apply for everything they got

EugeneV said:patch96 said:I think inqs are overrated.

I am beginning to believe that this simply does not matter as much anymore. The key is getting your FICO UP (and over) 760 - 770.

Nonesense. There is a fixed part of your score dedicated to inqs. I don't remember exactly what it is, but let's say 100 points. So, 0 inqs will give you 95, 1 or 2 - 100, and anything above in the past 12 months will subtract 4 or 5, or perhaps 5 in the past 6 months and then 4 (I may be off a little somewhere). This means that 20 inqs will do as much damage as 30 or 3000: worth 100 points of your score, regardless of any other factors.

Some people will still have a decent score after shedding 100 and others won't. This just depends on how much damage the new accounts and balances will cause to other score factors (utilization and average age). Personally, at this point I am still not immune to this kind of drop.

The other part of the score to keep in mind is, that everyone is compared to every 1 else.

EXAMPLE:
If everyone in the U.S. filed BK (except me) then my score would go through the roof, Because mine would be the best in the U.S.. I'm not sure how we can use this to our advantge.

Anyway I agree with you EugeneV