Thanks 2Cor521!

Great detail. My AOR 1.0 was March 07 so I'm in the process of paying off all my 12 mo cards. This is timely for me, in that I'll be starting AOR 2.0 in a couple months!

-Pak

No way that is true, they will fix it in a few days I would love if they never catch it.

Would you please share your experience of multiple inquiry disputes? I search by keyword “inquiry dispute" but could not find my questions:

1. Did you dispute over the phone or mailing a dispute letter for each CRC? How long do you get approved so fewer inquiries show in your credit report?

2. Did you dispute all hard inquiries from all creditors that happen on the D day and 2 days later? Or just dispute multiple hard inquiries from same creditors? In case of first, there would be 1 hard inquiry for each CRC, right? In case of second, there would still lot inquiries for all 3 CRC.

DaveHanson once mentioned that "...some CRCs have not counted same day inquiries as more than one (!)".....but I want to know your real case.

Thanks for your well organized posts and experience.

SecondCor521: Thank you so much for thorough explanation.

I was hit 10+ EQ, 5+ TU. Your "not mine" disputing tactic might be best for me since there are fewer multi-pull from same creditor. But I am not quite understand why "not mine" is convincing excuse...thought that my application agree the creditor to have hard pull --- So my understanding is totally wrong?

The Equ!fax online dispute link has problem. Should be here

T+10 02:38:00

My mailbox continues to be quite full. I wonder what the mailman thinks, since I normally get very little mail.

My credit scores and inquiries are holding steady after a late hit from Infibank, which pulled about a week after my app spree.

The Quick Summary is mostly up-to-date.

Phase 2:

1, 2 - USBank cards -- I talked to Larry the credit ninja the other day and he agreed to approve me for the Baylor card and shift my $15,000 of CL from the other USBank card that I was approved for (the phone application) as well as move $10,000 from my existing USBank Visa card, so I'll end up with a $25,000 USBank Baylor card. I halfheartedly tried for a CLI and he said that I was at the max I could get from them. He also said that he could only approve up to $15,000 limits, so he was going to have to get a supervisor to approve the $25,000 limit. It sounded like it would be pretty automatic, though.

3 - AM3X IN:NYC -- The epileptic ferrets at AM3X are perhaps wetting themselves. I really don't know what's happening here. The only plausible explanation I can come up with is that there is some human involvement in the CLR process at AM3X even if you do it online.

4, 5, 6 - Chase cards -- I've received three different calls from Chase; one card got approved for $5K, and two others got approved for $10K and $15K via shiftage. Chase is really bad about not telling you which card they're talking about and I feel silly asking "Now which card are we talking about here?" Chase seems to think that one should only apply for a single card at a time. I've still got a few Chase apps for them to work through, so I think I'm going to shift tactics and ask them if showing docs of assets would get me an increased exposure limit.

7, 8, 9 - Chase co-branded -- Not a peep from these folks yet. Maybe they take longer to do the co-branded cards.

35 - Merrick Hooters -- Got approved.

Phase 2A:

BT3.1 - AM3X -- I got a call today from Lori at AM3X, the nicest CSR on the planet. At first I thought it was going to be the beginning of my FR, but she was just calling back to let me know that the supervisor had approved my BT request and that it was on its way. When I asked Lori if AM3X would be sending a check or sending funds electronically, she apologized for not knowing and offered to keep track of it for me and call me to let me know once she found out. I said I would be watching it myself.

BT36.1 - WAWU ESPN -- I had requested $25K, but since they only approved me for a $15K line they reduced the BT to $14.5K. I've made a note to call and ask for a small limit increase or will pay down the balance to 89.99% very soon.

Phase 3:

b0 - Provident Direct Bank -- I tried to apply online for this account and they said they couldn't do it. I had just given them the standard demographic information, so I think they had a hard time confirming my identity because my CRA records aren't accurate (as previously discussed). They said they'd contact me in 2-3 business days.

Phase 4:

k6 - Wells Fargo $50 bonus -- Received a call from Lupe, my personal banker at Wells Fargo, who told me that my $50 had arrived in my account. I logged on, and sure enough there it was! My first A0R 2.0 profits, unless you include the $5 that Alliant CU gave me for opening my account.

Phase 5:

Almost all of my CLI's have been rejected. Also, based on the contact with Chase CSR's, they have all said that I am at my maximum exposure with Chase. The CLI denials from Citi also state the same thing.

2Cor521

T+14 04:58:00

My mailbox continues to be full, but not quite as full as it had been the past several days.

My credit score continues to hold steady, because I haven't bumped any inquiries and my new BT's haven't shown up yet.

Phase 1:

h1 - Alliant CU HELOC -- Not a peep from Alliant CU about my HELOC. I'm thinking I need to contact them to see what's going on.

Phase 2:

Overall, I went through today and activated my cards that I had received, signed them, and logged on for online access.

3 - AM3X IN:NYC -- The CL's are still listed as they were before. I tried calling USAA to see if the funds had arrived yet. They hadn't.

4-9 - Chase -- Not a peep from them still. Man they're slow.

10 - Citi -- Made my first purchase for the 15K TYP. Starbucks tall non-fat mocha. $3.02.

11 - Citi -- Mady my first purchase for the 15K TYP. Starbucks grande mocha. $3.60.

18-20 - BofA -- Called a CSR to ask for a CLI on one of these cards. Found out from him that all three cards had been approved, partially by shiftage from my existing BofA AM3X it turns out. The CSR was very willing to reallocate and do a BT, so I CLR'ed everything to card 18 (BofA NEA Worldpoints Platinum Plus Visa) to get a line of $44,500 and then did a BT via ACH to my checking account. Good thing I was also setting up HYSA's for the money to go to! CSR confirmed they get a small spiff for each BT they do, and that they also have quotas for the total BT $$$ they're supposed to process.

27 - Compass Bank -- Since my credit score hadn't really dropped that much yet, I thought I'd give applying for this one a try. Called in and did the application over the phone.

31 - M&T Visa -- This is an Elan card, and they approved me for $35,200 on this business card.

Overall credit is somewhere around $762,400.

Phase 2A:

Balance transfers total approximately $148K at the moment and will likely top $200K in the next few days. Preliminary guess is that I will end up at about $280K of BT $$$ and maybe more if I can reallocate from existing lines to the new lines with offers.

Phase 5:

CLI6 - FNBODirect Visa -- Sent in financial statements. Strangest question was the date of my will.

2Cor521

jevon90 said:SecondCor521 said:
31 - M&T Visa -- This is an Elan card, and they approved me for $35,200 on this business card.
2Cor521
Wow, amazing initial CLI. Did you request a 35K BT on your application?

Nope. But I did request a $33,439 BT last night.

2Cor521

johnnyz said:SecondCor521 said:

Nope. But I did request a $33,439 BT last night.

2Cor521

95% utilization? I thought you were typically going for 89.9%?

We've seen very few (if any) reports of AA stemming from high business utilization.

However, the credit landscape is rapidly changing, so enjoy the obligatory "YMMV" disclaimer.

johnnyz said:SecondCor521 said:

Nope. But I did request a $33,439 BT last night.

2Cor521

95% utilization? I thought you were typically going for 89.9%?

No, reread my OP. I will be doing 94.99%-BT fee on business cards and 89.99%-BT fee on personal cards, subject to two conditions: (1) less than 50% overall utilization, and (2) the BT amounts being large enough to be worth it (arbitrarily set at BT amount in $K * BT duration in months > 60).

One exception I made to that rule was that I did do only 49.99% rounded down to the next lower $100 on AM3X due to their known skittish nature and my large lines with them.

2Cor521

SecondCor521 said:3 - AM3X IN:NYC -- The epileptic ferrets at AM3X are perhaps wetting themselves. I really don't know what's happening here. The only plausible explanation I can come up with is that there is some human involvement in the CLR process at AM3X even if you do it online.

T+14 16:43:00

My d'oh moment

I suffer my first d'oh moment of my A0R. I misread the screen shot linked above.

As background, I had received the above IN:NYC card with a $3K limit and had CLR'ed from my existing AM3X Costco card to create a $99,900 limit on the IN:NYC card. I then did a $49,900 BT on the IN:NYC card.

When I checked back later and saw the above screen shot, I misread it thinking that AM3X had lowered my limit from $99,900 to $50,000, just above my BT amount.

I just realized that the above screen shot shows my available credit, which is, of course $99,900 limit - $49,900 BT = $50,000.

This still doesn't explain how, in using AM3X's automated online CLR tool, I now have two cards with nearly $100K limits on them (IN:NYC @ $99,900 and Costco @ $99,600). But I do. Yee haw!

On the BT front

I got two calls today, one from BofA's fraud detection wanting to confirm my $40,019 BT that I requested from their CSR last night (!), and an automated one from Wells Fargo double checking that I wrote a BT check.

Editorial comment

So far the credit crunch doesn't seem to be affecting my A0R results. I have clearly hit maximum exposure with both Chase and Citi, as I expected, but I also have gotten good card limits with other issuers. Overall, including the AM3X CLR mystery above, I am around $800K of available credit. On the HYSA side it is of course harder to find good rates.

2Cor521