I am compiling the list of cards worth applying for in my AOR 3.0. This time I'd like to concentrate on business credit and on new issuers [to me].

Personal Credit Summary
HHI: 190K projected/168K on last income tax return. My oldest credit card is 11 years old. PM123 FAKOs: TU 778 (no inqs), EQ 774 (1 inq), EX not monitored due to a freeze, but should be about 100 points lower (15 inqs in the past 12 months). Everyone wants to pull EX, go figure

Personal Credit
I have 364K in personal credit (not including AU accounts on the report), mainly from AMEX and BofA, but also Citi, Chase, HSBC, Discover and a local credit union gave me CLs of 25K or more. Of that, only a few cards report balances: 20K on a 25.5K Chase Sony (0% until 2/4/08), 8K on a 24K Discover (0% for life) and 4.3K on 5K PNC card (0% until 1/31/08, still not reported to TU). With the daily spending etc, I have about 29K showing on TU and 33K on EX/EQ. Close to 60K is hidden thanks to BofA bill pay, and another 25K thanks to another issuer (that shall remain unnamed) offering no fee purchase checks with grace period. Occasionally I let them report these balances and use the grace period, only to pay it off next month.

Business Credit
I have a one year old business credit report from EQ, showing AMEX Biz, Cap1 Biz and Advanta Biz reporting (but not PNC Biz, then issued by ELAN). My only other biz card is from BofA (which I did not have back then). Currently I have 30K at 0% on that BofA card, 9K at 0% with Advanta and 6.5K at 0% with PNC. I also have a current EXP business credit report, showing that my company is in the system for a year, but no credit lines ever reported. I am still waiting for my D-U-N-S number, but I am not hoping for an 80 paydex score any time soon (so far, Staples is my only business card supposedly reporting).

Experian Security Freeze
I applied for AMEX Biz Gold card, but my app was not processed because of the freeze. I called the credit dept and asked to pull another CRA, but they would not. I am wondering if I should proceed with AOR with EX frozen and try to convince all issuers to pull TU/EQ. I have nothing to loose if they refuse, other than opportunity. Alternatively, I can see who attempted to pull EX and send them my auth code in the order of my choice and only if I want to.

Strategies
I am also seriously considering Biz AOR first, massive b*, then personal AOR. However, I am already banned by TrueCredit (which really sucks because now I cannot dispute TU report online). I still have PM123 and NCIP, which I try not to "abuse". I do not remember if KeyBank's version is any different from NCIP (for b* purposes). I cannot enroll in CreditSecure until I remove EX freeze, at least temporarily (according to CSR).

I am also tempted to move as much credit as I can from personal to biz at Citi and Chase (even though there is no going back). Both places seem to cap total exposure anyhow, and I should be able to regain personal credit just after a few applications.

Juniper is one nervous bank: they've lowered CL and then closed my Frontier and US Airways cards so many times that I did not bother asking them to re-open when it happened last time. Chase lowered my CL once about 2 years ago. Otherwise, I was pretty lucky in terms of adverse action. I am considering re-applying for Juniper cards for bonus and BT anyway.

The Cards

Status codes: A[:CL]=Approved, D=Declined, C=Cancelled (without pulling CR), ?=Pending/Unknown

Personal:

App# Status Issuer    Product/BT APR/Period/Max Fee/Bonus
  9) D      BofA      US Airways/0/6/0/25K US miles + $25 (via cardbenefit.com)
 --)        Chase     United Mileage Plus Gold Class Visa/NA/NA/99/20K miles + 10K BT bonus
 --)        Chase     Sony/0/12/75/100
 --)        Chase     LaSalle/0/12/75/None
 --)        Citi      Diamond Preferred Rewards/0/1/75/10K TYP
 --)        Citi      Driver's Edge/0/12/0/$25 (via cardselection.com)
 --)        Citi      Professional/0/12/0/15K TYP
 --)        Citi      AT&T Universal/0/12/0/None
 --)        Citi      Hilton/15K HH + $25 (via cardbenefit.com)
 --)        Citi      PremierPass/0/12/250/15K TYP + $25 (via cardbenefit.com)
 24) C      Discover  Miles/0/12/75/12K miles + $25 (via cardbenefit.com)
 22) D      FNBO      Bucks Back/0/12/75/20
 10) D      GE        Money/Low APR Card/0/12/75/None
 --)        HSBC      GM Flex/0/12/99/$25 (via cardbenefit.com)
 --)        HSBC      Platinum/0/12/99
 17) A:5K   Juniper   National Park Foundation/0/12/50 (via cardselection.com)
 12) A:20K  Juniper   Lufthansa/0/6/50/20K Lufthansa miles + 15K BT bonus
 --)        Juniper   US Airways/0/6/100/15K US Airways miles + 10K BT bonus
 23) D      Key Bank  Platinum Credit Card with rebate/0/12/75
 13) A:10K  Natl City Lifespring Health Everyday Rewards Visa/0/12/0
 14) D      Principal Low Rate/0/12/75
 15) D      RBS       Platinum/0/10/60
 18) C      US Bank   Platinum/0/12/0
 19) D      Wachovia  Rewards/0/6/75/by phone or in branch
 11) C      WAMU      Platinum/0/12/75

Business:

App# Status Issuer    Product/BT APR/Period/Max Fee/Bonus
  0) A      AM_EX     Gold Rewards/25K MR Rewards after first purchase (applied for it 2 weeks earlier)
  3) A:25K  *** FCU   Visa Platinum (no cash advance fee)
 --)        AMEX      SimplyCash/60 (via cardselection.com - 5% cash on gas incl Costco)
 --)        BofA      /Platinum Plus Business Rewards/0/9/99
  5) A:10K  Chase     Business Rebate/0/12/75/30 (via cardselection.com)
 25) A:13K  Chase     GM Biz/0/12/75 (via cardbenefit.com)
 26) A:20K  Chase     Chevy Chase Biz/0/12/75
  1) A:5K   Chase     United/25K United miles
  2) A:15K  Citi      Business with ThankYou Points/0/12/0/15K TYP (close app and click popup)
  8) A:4K   Citi      Business PremierPass/0/12/0/15K TYP
 21) A:25K  Citi      AAdvantage/25K AA miles after spending $750/4 months
  4) A:0.5K Discover  Business/0/18/75
  7) A:12K  FNBO      Business Edition/0/12/75
  6) A:5K   Juniper   BankAtlantic Business/0/15/75
 --)        Juniper   US Airways
 --)        Natl City Visa Business/0/6/0/5000 points
 20) A:15K  Wachovia  Business 0/6/0/by phone or in branch					
 16) D      WAMU      Business Platinum/0/12/75

History
November 2005 AOR http://www.fatwallet.com/forums/arcmessageview.php?catid=52&threadid=541760
December 2006 AOR http://www.fatwallet.com/forums/arcmessageview.php?catid=52&threadid=688456

cant wait for this one

Small update: it appears that TrueCredit can show your Experian report even if Experian has a freeze (just signed up my wife). PM123 cannot. CreditSecure does not even allow you to sign up. It is useless for b*, but it is nice to be able to see it... I wish I could access mine.

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Another small update: re-allocated 79K from Biz AMEX to personal to help with utilization. I hope my reports will reflect this soon.

cyberkost said:Just to unconfuse me, did you mean to say "see who attempted to pull EX" and allow selected few?

Whoever will attempt to pull EX and will not automatically re-try another CRA or pull a soft, will send me a letter asking for an auth code. I can then get back only to the ones worth a pull, in the order of my preference.

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win333 said:I buy additional myFICO's and Equifax.com single reports (costs a little)

just keep signing up everyday for CS

I signed up everyday for 3 weeks before they finally got it. They won't charge you 100 times. The CSR's really have no clue it just a bug, it won't cost you nothing to try.

Sign up for CS even if it fails, then buy and EQ from Equifax.com to see the softs and you'll know for sure NOT by what the CSR says.

Just remember this is SOFTWARE, (((( do this 1st, then this 2nd then this 3rd))))))

when you sign up it pulls 1 CRA, then the 2nd CRA and in my case the 3rd was TU (no TU = FAIL) but the 2 softs have already been done. They can't undo them. They just won't let you see the report...

Think MATRIX it's all built on a system

What do you mean with "before they finally got it"? Can you give a little more detail, please?

As I am selecting the cards for this AOR, I am realizing that it's tough to find "new" issuers with decent offers... There is really not that much out there. I will leave our AMEX lines alone, as we'd probably loose them if I attempted to use them (I may use them for a biz "life of balance" offer one day).

I'll throw in a bunch of co-branded airline cards for bonus miles, but will not follow up on my apps if those issuers will insist on pulling Experian.

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