It is highly unlikely that the inquires are lowering your EX credit report a full 100 points. 50 at max. It's ONLY 15 inquiries, I've done an AOR with more of them.
However, it would be interesting to see what happens if you did an AOR with the freeze. Sounds like AMX would be out of the picture, but who knows about the other banks? There's a chance the creditboards group might know more about this, since they seem more likely to freeze certain CRAs.
So, in conclusion, keeping the freeze in place and doing an AOR may or may not be the best play for you, but it's definitely best for us, so we can find out what happens
I would not, personally, recommend a business-bumpage-personal AOR. Why? Time. You're probably looking at at least a couple months of bumpage for that to kick in. Plus, if you wanted to reallocate personal lines to busines... well, you're already exhausted your BT deals on those cards, so it wouldn't do you any immediate good.
EugeneV
Ancient Member
posted: Oct. 16, 2007 @ 11:06p
lhendricks92
Senior Member - 1K
posted: Oct. 17, 2007 @ 8:27a
markkundinger said: I would not, personally, recommend a business-bumpage-personal AOR. Why? Time. You're probably looking at at least a couple months of bumpage for that to kick in. Plus, if you wanted to reallocate personal lines to busines... well, you're already exhausted your BT deals on those cards, so it wouldn't do you any immediate good.
one nit pick...
it takes about 120 pulls for EQ bumpage. so, if you have 4 bumpage services, you can bump off an A0R in about a month. i did it this for my most recent A0R.
that being said, i don't think the biz-bump-personal strategy is really worth the hassle.
my 4 pronged attack consisted of CreditSecure, NatCity IP, Chase, and TrueCredit. i think there is a post by ChumChum outlining which services creates unique softs. These 4 definitely create unique softs. Not sure about Privacy Matters and Key, because they're both DealPass (like NatCity IP).
thinwallet4d
Senior Member
posted: Oct. 18, 2007 @ 8:08a
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?
Wachovia had a promo going last spring ($50) for free checking account. If there's one going on now I'd still consider these circumstances: 1) two pulls on TU (in NY) (my guess is one with the online app. and the other one when you come to the branch to finish the process as online form instructs you to -- how stupid is that) 2) I had to use pliers to extract the bonus from them 3) though their basic checking account is "free" in that it does not require DD, there's a dormancy fee (I think 1 transaction a year is needed) and one has to keep the acct. open for at least 6 months before closing.
win333 said: If I freeze EXP and only apply for biz credit B* in weeks (no new accounts on personal) Then I get to BIZ AOR all over again with TU and EQ lenders, if app is canceled cause EXP freeze WHO CARES I get to apply for more in weeks.
Thats maybe 1,000 lenders(all lenders included)that I can apply for, not all at once but every few weeks I can apply for 10 to 20 30 40 TU,EQ pullers and repeat, FOREVER.
win333, you are bringing some SERIOUS energy to this forum!
do you have a list of business lenders (BT profitable, of course) that you'd like to share? you may have run across some deals that we aren't aware of.
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