Personal to Biz - easy. I even reallocated 2 personal cards at once to my Discover Biz Miles, and it was no problem. They told me I had to leave 1k on each, though. Biz to Personal - no idea.
EugeneV
Ancient Member
posted: Dec. 27, 2007 @ 4:13p
bobopig1
Member
posted: Dec. 31, 2007 @ 11:18p
win333
Senior Member - 2K
posted: Jan. 9, 2008 @ 12:53a
EugeneV
Ancient Member
posted: Feb. 19, 2008 @ 11:50p
win333
Senior Member - 2K
posted: Feb. 20, 2008 @ 12:28a
I'm sure your exp score is lower due to 21 INQs, forget the closed accounts, noone will even care! My exp is the lowest and I have 20. When did you unfreeze? Or did you?
Venturion should be a big wake up call for you. Forget what win333 says!
Eugene - could you elaborate on this ARS/ICS or point me to a thread or link explaining it? I'm sorry for the naive question... but I figure I can also monitor it and contribute to the list you started on which issuers pull it.
Got it - do ARS/ICS actually check if you were denied? I know the last I pulled an Experian report, I don't think I had a specific denial even thought that was my stated reason. If they do not check, I'll request one and try to map together the inquiries. I have received denials from State Farm, RBS, Bank Atlantic/Juniper, and FNBO in case any of them pull ARS/ICS.
Are you doing the same? Thanks for the info and thoughts.
tolamapS
Senior Member - 2K
posted: Feb. 20, 2008 @ 10:59a
EugeneV
Ancient Member
posted: Feb. 20, 2008 @ 11:08a
PolarDude
Senior Member - 1K
posted: Feb. 20, 2008 @ 11:52a
I was denied Zions (Vectra) for residing out of the area, being in Socal. Waste of an inquiry.
markkundinger
Senior Member - 2K
posted: Feb. 20, 2008 @ 1:25p
win333 said: I'm sure your exp score is lower due to 21 INQs, I agree, my EX FAKO is about 50 points lower, due to inquiries.
EugeneV
Ancient Member
posted: Feb. 20, 2008 @ 5:50p
markkundinger
Senior Member - 2K
posted: Feb. 20, 2008 @ 11:56p
Don't forget the really conservative option of just, you know, waiting, and paying off all the cards in October, and letting your credit report recover that way.
Eugene, I was just reviewing your thread (not very carefully I must say), but a question popped into my head: could it be that BOA decided to close your cards when/because they wanted to do an account review pull from EX and found it frozen? Have you been able to glean the reason for the closing from your conversations with BOA?
EugeneV
Ancient Member
posted: Apr. 16, 2008 @ 11:50a
kkerty89
Senior Member
posted: Apr. 22, 2008 @ 1:03p
EugeneV
Ancient Member
posted: Apr. 22, 2008 @ 1:20p
EugeneV
Ancient Member
posted: Apr. 30, 2008 @ 1:10p
lhendricks92
Senior Member - 1K
posted: Apr. 30, 2008 @ 1:13p
ask them for 30K, which is the true max initial CL. 20K is the limit if applying via the website. it's a glitch they can correct when you get your approval call.
EugeneV
Ancient Member
posted: Apr. 30, 2008 @ 5:07p
EugeneV
Ancient Member
posted: May. 8, 2008 @ 11:24p
EugeneV
Ancient Member
posted: May. 11, 2008 @ 12:37a
swishyx
Senior Member
posted: May. 11, 2008 @ 7:20a
PolarDude
Senior Member - 1K
posted: May. 11, 2008 @ 5:18p
I notied the same phenomena when doing an AOR recently - TU Inqs dissapeared for a day or so, only to reappear later. I pulled using multiple services, and they were gone from all. I got some others to pull while the inqs were gone, so that should be good.
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