Well time to learn

I see 5 first U.S.A. INQs, you didn't get any CHASE or CHASE U.S.A. INQs? I've had all 3 types from chase.

Have you talked to them or just the app status line? I'd catch my breathe before talking to them, maybe there is a way out but also having 145,000 with them is not good.

okay, three reasons:

1. too many requests for new credit - this may be a timing issue based on when you did your personal and business A0Rs. Most people usually do all the apps at once and then b*mp before doing another round.

2. total credit lines on open accounts too low - kind of makes sense. I need to revisit your OPs. I may suffer this rejection reason since I crushed my personal lines during reallocation to biz during the last A0R. I have about $100K in personal lines at the moment with 25% utilization across; unfortunately all of the utilization is on Discover.

3. insufficient credit history - we discussed this in PM... there's no way around this one other than time.

In summary, you should be able to b*mp to overcome 1. Then do a mini-personal A0R with CLI on existing lines to re-establish personal credit (tackle 2). Wait a few months for the accounts to stabilize and age (tackle 3). Should be ready to retry after that, no?

Brian, I just noticed randomly, you're 23 and your FAKO score was over 800 for a little bit. Despite being a "thin" credit file, that's just crazy!

brianLp518 said:Massive decline from chase (14/15). Not sure which one is which, but I'm assuming that the 15th is cancelled. Also received declines from State Farm and Associated Citibank.

Ouch. Several questions for you:

1) How were you informed of the declinations? Mail?
2) Did you get 14 seperate letters?
3) Where the reasons for declination same on every letter?
3) Am I correct that the only personal card you have with Chase is a Freedom with $1k limit?

I would suppose - with the advantage of hindsight - that all of the Chase apps actually yielded worse results than just a few apps. You might have triggered a circuit breaker of some sort.

And hey, these apps are effectively the tail end of an AOR, and the "tailies" tend to do worse than the early apps, simply due to the increasing weight of inquiries. So buck up, it's not that bad.

markkundinger said:Brian, I just noticed randomly, you're 23 and your FAKO score was over 800 for a little bit. Despite being a "thin" credit file, that's just crazy!

brianLp518 said:Massive decline from chase (14/15). Not sure which one is which, but I'm assuming that the 15th is cancelled. Also received declines from State Farm and Associated Citibank.

Ouch. Several questions for you:

1) How were you informed of the declinations? Mail?
2) Did you get 14 seperate letters?
3) Where the reasons for declination same on every letter?
3) Am I correct that the only personal card you have with Chase is a Freedom with $1k limit?

I would suppose - with the advantage of hindsight - that all of the Chase apps actually yielded worse results than just a few apps. You might have triggered a circuit breaker of some sort.

And hey, these apps are effectively the tail end of an AOR, and the "tailies" tend to do worse than the early apps, simply due to the increasing weight of inquiries. So buck up, it's not that bad.

1) 14 pretty little envolopes which arrived today. (16 including citi and state farm)
2) See answer to 1)
3) Chase Business: x1
Too many requests for new credit in last 12 months
total credit lines on open accounts too low
insufficient history of credit information reported

Chase Personal: x13
Too many credit or loan accounts have been opened recently
4) Yes

I know it's not that bad, especially because I have 4 chase business cards i just acquired which I have ~$47k in BT from. I probably should have 1) stuck with a few cards on my second round 2) there shouldn't have been a second round.

I'm okay with everything... In the end, I have $102,000 in new business cc's, $38,400 in new personal cc's (so far). Total BT: $156,325. Business Utilization: 88.2%, Personal Utilization: 32.26%

i've read a lot about B*age, but haven't seen anything on Experian... is there just no way to B* EXP?

I don't plan on applying for more credit any time soon, but I think too many people are scared of getting the EXP hit, and lock it before their AOR... why not lock it on your second AOR? I'm thinking of disputing Equifax inquiries, locking my EXP and TUC, and repeating... my new cards are only reporting to EXP right now... I found that RBS card which only hits Equifax, and I'm thinking of PenFed right now to get my overall utilization down. good idea?

anybody have any suggestions on B*age? I have chase, nation city, true credit, and gonna get AMEX soon. anybody have trouble w/ split CRA profiles?

i screwed up w/ pm123 and accidentally cancelled when trying to get the year for $23 or whatever... =\

win333 said:
You got a plan going, yes it will work, but if you have 14 new account on experian they will be on TU and EQ soon.

Thats why I think my 1st post in this thread said to CLR some of the 14 and close. I think they look at active accounts NOT closed accounts.

Try PM123 again, trust me they want your $29 bucks. ChaseIDprotect is supposed to allow multiple pulls in 1 day and show the softs when you get a paper report.

ChaseIdprotect is not chaseidentityprotect, what ever you do think it through and post your ideas. There are some pretty smart guys here.

So far, I'm only approved for 6 new accounts (7 counting the CitiProfessional which was cancelled, but showed up as $1k on my credit report). I will try to CLR as much as possible (maybe move AMEX to business and cancel). Providian/WAMU doesn't CLR, and I have no Business Discover/Business RBS card to CLR to. I need to see if Juniper can CLR to the Barclay's BankAtlantic Business (has anybody tried this?).

I tried PM123, and said I was ineligible, but sent me to another firm that charged exactly the same... i've seen others who posted the same, but want to see if they can get that annual retention deal first before i try.

i have chase (chaseidprotection.com). what is the difference between the two?

so which one do i have? mine said ID Protection

i just pm'd you, but i just pulled up my report 4x in a row... i think i have the right one!

Hey Brianlp!!! Where r u parking all yout BT money? CD, Savings account? What rate you are getting?

brianLp518 said:right now in WAMU savings @ 4.25%... need to wait until 18th because im already at 6 "convinient transactions" limit. gonna go w/ countrywide @ 4.75% soon (2/18 is the new statement for my savings and when many checks will clear).

Do you have to send check to countrywide or Countrywide SavingsLink account can pull from your checking or savings account?

Thanks