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.

I recently applied for 4 chase biz card and got approved for 3.
In Venturion's AOR post, he applied for 5 chase biz cards and got all approved.
It seems to be YMMV.

EugeneV said:I kept my FIA cards nearly maxed out and then either paid in full on the statement date so that no utilization would be reported or paid down to 50%-$1 if I did not care about scores. This went on for years, until I asked for trouble.

In other developments, I was told by a CSR that Discover would approve at most 1 app per 10 months (at least if you already have a Discover card), including business cards. Thus, my Discover Miles application was cancelled.

Chase would approve at most 2 biz apps, including co-branded cards. My GM and Chevy Chase apps were cancelled as duplicate. Credit analyst told me that I am at my max exposure with them. I reallocated 20K from United Biz to Chase Biz Rebate then.

Key Bank (Citi) denied my app. Principal Bank also, due to number of inquiries. I am not very hopeful of getting the BofA US Airways card after what just happened. So, this sums up my AOR.

Apps submitted: 13 personal, 14 biz, 27 total.
Apps approved: 3 personal, 11 biz, 14 total.
New credit: 35K personal, 101.5K biz, 136.5K total + AM_EX Gold Rewards Biz (NPSL)
BofA - lost credit: 59.7K personal, 56.1K wife
Rewards (pending): 25K MR points (x2), 35K Lufthansa miles, 25K United miles, 25K American Airlines miles, 30K ThankYou points and $30 from CardSelection

I will post the results of my balance transfers and BT fees later.

As to which issuers can be talked into pulling another CRA when EXP frozen, the answer is, pretty much all of them (with some work). This manual review, though, may attract a lot more attention to your apps than you would want to though.

I will update OP after my wife's AOR. If after b* and some payoffs my scores will be AOR-ready, I will continue from where I left off.

Ok, three months have passed, and my ICS/ARS report should look less alarming by now. I will give it a few extra days and then will attempt to have BofA and Citi cards re-opened. Citi closed two of my (fortunately not oldest) cards by mistake during reallocation to business (they were supposed to leave each open with $100 CL, which was minimum according to CSR - I should have known better and left $1000).

There is not much new to report. All signup bonuses are in, and almost all debt from A0R #2 is paid off, which makes my personal reports look a lot better: 7.5K on my Discover at 0% for life, 4.5K on Barclays/National Parks and 8.5K on National City/Lifespring. Even with my daily spending cards, my total reported personal debt is under 21K, with combined CL approaching 300K.

I applied for the Vectra card a few days ago (0% for 12 months and no BT fee, issued by Zions), and these bastards pulled Experian. Not sure yet if my app was approved. This brings the number of my Experian inquiries up to 21, of them 9 in the past 12 months (but only the most recent one within past 6). The other two are inquiry-free, except for Ameriprise on EQ, which should not impact the score anyway. For the first time on my memory, my total debt and total minimum payment is identical on all three reports. Numbers of open and closed accounts and totals by type are slightly different though.

So, my PM123 FAKOs are: 785 TU, 717 EX, 783 EQ. Experian PLUS: 783 TU, 762 EX, 783 EQ. I can't figure out why EX is so low. The only thing that comes to mind is CreditSecure shows 44 revolving accounts on EX, of them 42 "current" and 2 "other". I have 38/38/0 on EQ and 37/37/0 on TU. Installment accounts on all three reports: 4/4/0. Other accounts: 0/0/0 on EX, 4/4/0 on EQ and 5/5/0 on TU. Totals add up. So, looks like I am penalized for these 4 or 5 accounts listed as "installment" on EX but as "other" on EQ/TU, and/or because 2 of them are not showing up as "current" on EX. I found them: "Account transferred to another office" (happened when ELAN became the issuer for PNC and for one of my FCUs). Payment status shows up as "Pays account as agreed" for them on EQ, "Paid or paying as agreed" on TU. All of my open (and some closed) accounts show payment status as "Current", and the rest of the closed accounts show "Paid satisfactorily" on EX and something similar on EQ/TU. Having high credit above CL due to reallocations and CLD (especially on closed cards, where this cannot be fixed easily) may play a role as well, but I have not checked the differences between CRAs.

On business cards, I owe 5.5K on Cap1 (0% until 7/09), 16.7K on Chase Rebate, 72K on Chevy Chase, 83K on CitiBiz, 20K on Discover, 9.7K on BankAtlantic and 14.7K on Wachovia. 8.3K on Advanta is due soon, so it's ~222K, not counting Advanta.

EugeneV said:I can't figure out why EX is so low. Most likely the inquiries. I have 24 on EX, and 0 on both TU and EQ. My EX score lags TU by 50 points, and EQ by 80 points (using PM123), and as with you all the account info is vitually identical across all three reports.

Inquiries do not impact score after 12 months, but FAKO/PLUS may not reflect this. I hope my actual score is higher.

win333, you agreed to stop posting here.

Venturion, ARS/ICS is not a CRA. I do not know of a way to monitor it, other than requesting a free report if you were denied credit based on the information contained in it.

EugeneV said:Ok, three months have passed, and my ICS/ARS report should look less alarming by now.

I believe inquiries stay on ICS / ARS for 1 full year. Also, sometimes soft-pull CLI or CL reallocation requests also result in ARS / ICS inquiries.

EugeneV: would it be worthwhile to spend $12 and get an Experian FICO score from myFICO? You could even cross-check it with either TU or EQ FICO score by buying one of those two. You can buy a TU score for less than $4.

I think the effect of inquiries should be fairly limited on real FICO. First inquiry will drop a good score by about 10-12, second a little more, and then after that count won't matter, as long as there are new applications showing. Also, if you happen to have any 1-mo old, 3-mo old, or 6-mo old accounts, real FICO would be a bit lower. Once accounts pass those age threshold, our score will recover (so if you are continuously applying for new apps, score would be affected for a while, although this would show across all three CRA scores).

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

I will probably apply for Citi CashReturns and HHonors cards in a few weeks, perhaps also Associate Bank card and re-apply for WAMU. I will not ask Citi to re-open the two closed accounts until my new applications are processed. Any idea if they also look at my balances on the business cards with them? I'd re-apply for Key Bank card as well, but I am under the impression that it counts towards the limit (no, not of cards, as we know that there is no hard limit, but of applications over a short time period). Alas, most Citi cards listed in my OP now have no cap on BT fees.

If I make my SEP-IRA contribution for 2007 next month and transfer SEP-IRA and 2 Roth IRAs from Fidelity, I'll qualify for BofA Premier status and apply for Accolades, not that I need it, but just to get my CL back. I am still hoping to have the old accounts re-opened. Have not called them yet, as I am waiting for a minor improvement on my wife's report first.

Any good personal Chase cards to apply for? I could also re-apply for RBS and Juniper, I guess, if I freeze Experian again. Have any other good cards surfaced since my A0R?

I'll probably apply for a couple of CU cards to improve utilization, too. I am afraid to freak out AMEX by the number of recent inquiries, so this may have to be done in two stages with b* in between.

markkundinger said: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.

But Mark, my personal reports look great as is. Utilization is very low, ~7%.

Based on such 90 days "rule" one should wait more than 90 days before attempting new AOR.

EugeneV said:tolamapS said:I believe inquiries stay on ICS / ARS for 1 full year.

Yeah, but number of inquiries within 90 days is what most banks go by. I think they subscribe to automatic alert of some kind.