Win333's mini personal AOR & Rolling biz AOR 2.1 for LLC this time

best of luck,

I've given you green.

This should be an interesting datapoint on how creditors react to multiple business lines through sole + LLC + corp + another LLC + ?...

markkundinger said: A great number of the apps you list seem to be personal card apps, not business card apps.

If this is the "LLC" AOR... why?

I know mark, i'm going to do a few personal and *ROB* from venturion's and Secondcore's AOR and any others, i'm just so damn busy, it will take me a bit to put it together.

I lose my internet connection atleast once a day, so I saved my OP before I lost it. After spending all that time formating my current cards I didn't want to paste it to a file and possibly lose my formatting.

EDIT: Just after I posted this, I went to edit the OP. I typed it up and click update and lost my connection This crap pisses me off!

win333 said: I want to do about 30 to 40 apps if WE can find that many.
If you need some apps, especially Biz apps here's some to consider:
1. A list of lots of Biz Apps(and some personal too) from my recent Mini Biz AOR as well as Apps I plan to apply for in the future, though the Biz apps are largely from smaller banks outside the big issuers.
2. A list of lots of Apps(50/50 personal and Biz) from my December AOR, which has lots of cards you probably already have or are considering applying for.
3. SecondCor521's list of Apps from his latest AOR, that I know you mentioned but that you could probably mine for more apps if you wanted.

win333 said:
I think Jevon knows alot about this, so your favorite AMEX cards are needed. Even if they are Charge cards!
Thanks for the mention but honestly, I think you'll have to search through some lists or issuer webpages to find what you want. I was going to suggest AMEX Blue for Business as that's usually a 15 month 0% for purchases but the OP says you already have one. Also I find BOA and Cap1 are better at giving 0% purchases promos then 0% BT promos. Other than those lists that's all the info I think I have. Best of luck.

Is CRAP1s limit 1 app per 45 days or 1 biz, 1 personal per 45 days?

Well thats it for tonight, what a pain!

It looks like I have to many Elan/usbank cards but in my last AOR I was able to get 1 card per biz on 1 INQ. So I'm hoping for the same type of results.

I have a few more personal than I planned on But if I got all of them, I'll CLR and close about 1/2 of them.

I need more biz cards, it seems like i'm missing some but I've been looking at it for too long.

HELP!

#33 on your list is no good for BT's per the T&C.

Good luck,

2Cor521

SecondCor521 said: #33 on your list is no good for BT's per the T&C.

Good luck,

2Cor521

I'm not really worried about cards with uncapped BT FEE's, I can make purchases for my business or my brothers business to get the cash.

I'm torn on wheather or not to do all the personal apps, If I get a bunch of new accounts then my AOR days are over for atleast 6 months or longer.

For anyone who is interested, listityourself.net worked WONDERFUL, I listed my Cell phone as my business phone for my LLC and my other Cell phone for my SoleP.. It took 48 hours to get it listed

I made my new MAJICJACK my home phone number, it has an answering machine with each account, and it can be forwarded.

I have a bunch of empty apartments, I can make each apartment a new business with it's own phone and business reports. I figure my BIZ AORs can earn as much as renting an apartment LMAO!!!

Anyone need a biz address? I have plenty of them

Each of my apartments brings in about 7200 per year after costs, heck 200,000 in 0% can do that without the headache of any tenants. You gotta love it!

I need all the biz cards I can get my hands on, even if it's just 0% on purchases. So keep them ideas coming!!

There is a 2/1 duplex in my area, all brick. Listed at 89,900 to 79,000 to 69,000 to 59,000 to 49,900 and now is 44,900! Damn that looks tempting. The units rent for about 500 per month. Just a thought.

Biz phone line is now listed = check
Balances reported and rescored = check
address still not on TU or EQ= bummer

I have:
TC
chaseidentityprotect
AMEX CS
privacy matters
CreditKarma TU only

After unfreezing experian I plan to sign-up for
Creditchecktotal
chaseidprotect

Any other services I can use to get unique EQ softs?

I unfroze all my reports, all 3 unfroze instantly

Chaseidprotect wouldn't let me sign-up "SS# already in use"
Creditchecktotal was OK.

I know have 5 unique for each report.

Experian is unfrozen for today and tomorrow.

AMEX plat. biz was an instant denied, all kinds of reasons.

your AMEX risk score is too high.
your AMEX commercial risk score is too high.

Number of revolving accounts (Experian)
number, type and recency of INQs (experian)
length of time accounts have been established (experian)

your app was processed using OUR AMEX commercial risk scoring system bla bla bla.

Balances on Commercial account(s) are too high.
Too many recently reported financial accounts with a balance. ( ya think!!!!)
Total revolving utilization on revolving trades is too high. (They only got that from my SoleP.'s biz report)
Your consumer credit bureau score is to low (They pulled out of their a$$ fico 720+ with 20 INQs)

I think this (AMEX plat biz card) must see my SoleProprietorships Credit lines and balances. But my next 2 am3x biz apps were deferred (starwood and Delta)

I then did Hiltonhonors (personal) and was deferred.

All deferred AMEX apps asked me if I wanted to add employee cards, after initial processing but before deferring.

I also have 2 AMEX platinum biz cards for my SoleP., So it might just be that I hit the limit of plat biz cards.

AMEX called for address verification.
Me: I'm returning your call
Rep: SS# BLA BLA, You applied for the SPG biz card?
ME: YES
Rep: After exhausting all our ways of verifying your adress we need to talk to your Lawyer, Accountant, CPA, bank statements or a copy of a utility bill. (this is for an LLC)
ME: WHAT! LMAO (Really I was laughin) I said, my previous address on my credit report is my address and my current address is my P O box, doesn't that make sense?
Rep: Well they won't let us use that address from the credit report.
Me: OK I'll fax a util. bill right away.

Needless to say, I didn't ask about my Delta app. I did those 2 apps (SPG & Delta) because THISGUY got 50K per app, it looks like the systems don't see both apps.

Discover has always reported balance transfers for me almost immediately, as in, the next day.

Freeze Experian

Ironically, I was coming to find out from Win333 about his experience freezing experian as well. I read the 6 page post about freezing (search titles for Freeze) and wanted to get some real-life commentary on the freeze process and how long it takes to go into effect using the experian site to do the freeze. Its $10 in my state to freeze (TX). Thinking about freezing and applying for a couple more apps since I got a ton of experian pulls in my AOR the other day and there is only 1 new account showing on my report thus far.

johnmiller6868 said: Hi, How do you freeze Expirian, and why would you do it when would you do that? please advise !!

win333 said: I unfroze all my reports, all 3 unfroze instantly

Chaseidprotect wouldn't let me sign-up "SS# already in use"
Creditchecktotal was OK.

I know have 5 unique for each report.

Experian is unfrozen for today and tomorrow.

got the nationalcity identity protection email, I was able to sign-up for that service. It might be a duplicate soft on TU but it will be a unique on EQ.

So that gives me 5 or 6 unique on TU and 6 unique on EQ.

Days to B*:
about 8 days on TU
about 18 days on EQ

If I can keep track of the 24 hrs +1min

Op updated a little, not much going on yet.

I put in for a few CLIs before this AOR started, I got a letter from chase and CITI asking to unfreeze EQ. I had frozen all 3 reports before asking for the CLIs, I guess we know who they will pull when I apply for the new accounts.

This might not work 100% of the time, but it's just 1 more tool in our belt to figure out who each creditor pulls in our city/state.

All apps complete, I blew this 1 pretty good. It took me 5 freakin hours to get thru 20 apps.

I've paid down CITI to 0 balance, that was the 1 I wanted to do 1st with my best report. I forgot to unfreeze my EQ on the 1st 4 CITI apps (UGH)!!! So no instants and I'm sure I'll get a letter to unfreeze.

After I realized my BLUNDER, I did 2 more personal CITI apps further down the list, Cash returns and PP elite. Associates bank and my 3 citi biz cards where in the 1st 4 cards with my EQ frozen.

I tried changing my address on my credit reports so I might get some instant approvals. But only Experian has updated my address correctly. This morning EQ changed my address to an address from 2 years ago (F*ers).

So within minutes of submitting the 2 CITI apps with my report unfroze, Citi was on the phone to verify some info on my credit report. 2 different phone calls???

Anyway (sigh) CRAP1 approved instantly but no limit.

Chase only did 1 pull as usual.

Overall very frustrating, this just wasn't my day for an AOR. Employees calling, stress, credit report messed up or frozen.

I think I'll have to B* before letting the CITI biz apps pull my Report, I think I can have it done in about a week. I'll pull an EQ and count my softs tonight.

I didn't really expect ANY instants since my report doesn't have my address, so it's just wait and see now.

Oh on my 2nd CITI call they asked why my phone kept cutting out (voip) so she asked if it was a cell phone. I told her it was voip, they must have been looking up my number and it didn't come back as a landline or a cell phone.

My Voip is 40 bucks for the 1st year, so they're going to have to get used to it.

Venturion said: Sorry to hear the woes, Win. You put a lot of planning and work into a VERY complex A-O-R. However, at least it looks like there was not much damage so you can try again soon.

BTW, my online Equifax disputes are not working as the written report in the mail claims the accounts/inquiries are not showing on my report (though they are). So, I just called and asked them about the discrepancy on two of the inquiries using the confirmation number from the mailed report as a result of the online dispute. Well, those two disappeared today!! New strategy?

Also, is the VOIP you mention MagicJack (sp?)? Why is it buggy? If I recall correctly, its because your Internet connection is buggy, right? I ask b/c I'm thinking of getting MJ myself. Thanks.

I've been trying to do to many things at once, Hired a new crew, eBay, AOR, Ex-girl back, freezing/unfreezing, the list goes on and on.

EQ disputes, Thats how Supercreditman disputes. I haven't done it that way just because I didn't know how to get around it being my INQ. So what did EQ ask about the INQ?

The phone is majic jack, I have heard it cut out before (like someone calling on call waiting) But that phone call didn't sound like that, I wonder if they just couldn't look it up as a land line or cell phone. When I use reverse look up on other phone numbers, sometimes it tells me it's a cell phone. I'm sure CITI has state of the art equipment to figure out what type of phone the number is associated with.

I have my majic jack setup on a diferent computer than i'm not using, I highly recommend it. I can now even fax from my home also, i'm thinking it's the best 40 bucks i've ever spent. Using the listyourself service along with the majicjack just makes it a home run.

win333 said: Creditchecktotal is great!

It's not cheap, but I can pull reports when ever I want and multiple times a day. I only get 1 soft but the report does change if something has updated.
Have you pulled a hard copy of your reports directly from TU & EQ? At CB they are reporting you can pull your report with CCT up to five times a day. That EQ shows 1 soft each day but TU is showing 5 softs each day. It would be nice to get some verification on this.

QS updated with order of apps and a few results.