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EugeneV's annual App-O-Rama 3.0 with EXP frozen Archived From: Finance

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alert mods    
   posted: Dec. 20, 2007 @ 1:41p

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.


alert mods    
   posted: Dec. 27, 2007 @ 4:13p

 


alert mods    
   posted: Dec. 31, 2007 @ 11:18p

 


alert mods    
   posted: Jan. 9, 2008 @ 12:53a


alert mods    
   posted: Feb. 19, 2008 @ 11:50p

 


alert mods    
   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!


alert mods    
   posted: Feb. 20, 2008 @ 12:48a

 


alert mods    
   posted: Feb. 20, 2008 @ 7:45a

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.


alert mods    
   posted: Feb. 20, 2008 @ 10:20a

 


alert mods    
   posted: Feb. 20, 2008 @ 10:29a

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.


alert mods    
   posted: Feb. 20, 2008 @ 10:59a

 


alert mods    
   posted: Feb. 20, 2008 @ 11:08a

 


alert mods    
   posted: Feb. 20, 2008 @ 11:52a

I was denied Zions (Vectra) for residing out of the area, being in Socal. Waste of an inquiry.


alert mods    
   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.


alert mods    
   posted: Feb. 20, 2008 @ 5:50p

 


alert mods    
   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.


alert mods    
   posted: Feb. 21, 2008 @ 9:47a

 


alert mods    
   posted: Feb. 28, 2008 @ 1:03p

 


alert mods    
   posted: Mar. 31, 2008 @ 9:49a

 


alert mods    
   posted: Mar. 31, 2008 @ 9:52a

Eugene: re your 2/19/8 post: was Zion able to pull hard on you from EX while you had the EX Freeze on? Or?


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