I didn't have time to document my recent AOR, but I thought I'd send up a warning flare on Juniper/Barclay's.

My AOR was ~20 cards, 6 citi, 4 AMEX, and the rest 1 bus 1 personal from other lenders (bofa, barclay's, advanta, chase, etc).

I had 2 Juniper cards, total of ~26k CL. I got deferred on both new apps, and today got 4 letters. 2 telling me my new apps are denied due to sufficient credit, and the other two saying they closed my existing accounts due to too many recent inquiries on my CR. They also pulled all three from both apps, so 6 new inqs were from them. They said the decision was based on TU, which only shows 3, but my Exp shows 31 now so I think that is the problem.

I probably will let this die, but I hope it doesn't impact my other accounts. I'm not sure if 2 accounts closed by the lender will hurt my credit enough to fight it and explain my recent flood of inquiries.

I have 21 on experian, I wouldn't dare do 20 apps!!!!!!

That is why I froze my experian out of my 15 apps with experian frozen only discover sent me a letter requesting to see experian!!! I didn't even call them. on my next AOR I will tell them I haven't gotten my code yet

I did my AOR in sept B* and froze experian and then did another AOR in nov. only difference is I'm not looking for 0% money to invest in CDs, I want the money for my business.

So I stopped doing personal apps after my SEPT. AOR and am now only doing business apps. once all INQs are gone, I'll do another 10 or so apps (maybe more).

I don't see me unfreezing EXP. for a long long time.

it seems juny doesn't like to play, I think the best thing to do is get the bank atlantic biz card and BT as quickly as u can and be done with them.

If they close the account, so what, you already got the money and it doesn't report.

I just don't understand why more people are not freezing all 3 reports before they try to move credit lines around. If they really want to see your report, they can just pull a soft.

If they refuse to do a soft, then you may not want them to see it anyway.

Barclays lowered my wife's credit line from $20K to $7.5K while the BT Check was in the mail to my bank. THAT PISSED ME OFF!

win333 said:

I just don't understand why more people are not freezing all 3 reports before they try to move credit lines around. If they really want to see your report, they can just pull a soft.

If they refuse to do a soft, then you may not want them to see it anyway.

You know I wish I would have frozen all three. Three months after my AOR... I got hit with a hard inquiry from Barclays because they wanted to "review my credit".

I already sent them a letter demanding they remove this inquiry off my credit report. If they don't I may decide to sue them.

triple post

Bank Atlantic (by Barclay) closed my business account due to high credit balance. When I log on my account online. All functions disappeared. I wonder how can I make a payment.

P.S. they didn't do any hard pull though.

I had 30k on my personal report. This account was open for about two months.

Juny is really starting to suck!

My Juniper Frontier card with a $20K CL was closed a few months back due to "sufficient credit." Not even post AOR!