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

Got my 5% citi cashreturns card, I was able to CLR my world dividends card to it. So now I have a 30K+ line with 5% Cash Back for 3 months.

This card also has 0% BTs for 12 months from the date of the 1st BT. I will buy a few 100K on this card and then use the BT afterwards.

In this AOR I was able to CLR all my old CITI accounts to my new 0% citi accounts.

MAN! You gotta LUV CITI!!!

EDIT: I had a small balance on the dividend card that seems to have disappered, anyone have this happen before??

Letters in the mail today from Associates bank, EQ frozen please unfreeze within 30 days. (my screw up darn it!)

It says they tried EQ, just 1 more way to tell who a creditor will pull. Some creditors tell you to unfreeze all 3.

Letter from Cambridge trust biz visa, ****approved 7,500**** we'll send your card to your biz address. ELAN FIN.

Principal bank, decline **to many INQs***

ICS - Consumer Inquiries
Advanced resolution services
(800)392-8911

Not sure who that is?

74ak said: win333 said:

ICS - Consumer Inquiries
Advanced resolution services
(800)392-8911

Not sure who that is?

may be this


ICS stands for Issuers' Clearinghouse Service. The Visa U.S.A. Operating Regulations require Issuers to submit information on all consumer credit card applications to ICS. The service was developed at the request of Visa Issuing Members to help reduce card losses on applications. ICS is not a credit bureau, but is similar in some ways and is subject to the same laws, for example, the federal Fair Credit Reporting Act (FCRA). It is a nationwide database that contains bankruptcy, and bankcard application activity, fraud, and questionable data information.

I think that has floated around here a time or 2, I wonder how we can get around it. I also wonder why ALL the creditors don't use it.

I must have applied for over 100 accounts in the last 6 month, my ICS report must be a mess.

win333 said: 74ak said: ICS is subject to the same laws, for example, the federal Fair Credit Reporting Act (FCRA).

.... my ICS report must be a mess.

I can't find where I can review my report for free, should be free annually (FCRA)
hmmm

I think ICS is the outfit that tracks (1) how many apps you've put in (Visa/MC only) as well as whether you were approved or declined. I got a decline (that was inaccurate) deleted from there once. BofA used the report and reported to it.

swishyx said: I think ICS is the outfit that tracks (1) how many apps you've put in (Visa/MC only) as well as whether you were approved or declined. I got a decline (that was inaccurate) deleted from there once. BofA used the report and reported to it.

I wonder if we can have those entries (investigated) and removed.

I think I disputed SO many EQ INQs that they have blocked my address from changing to my current address. I disputed 3 of my mortgages once and now they no longer update (long story).

I know most people are scared to death to dispute an INQ, but when I see CBUSA/CB on my credit report I HAVE NO PROBLEM SAYING IT'S NOT MINE!!!

Also if I apply for a juny card and barclays pulls my report I have no problem saying it's not mine!

EDIT: people who own multiple businesses must have away around this.

swishyx said: win333 said: I wonder if we can have those entries (investigated) and removed.
I did. Just told them it was not accurate, as I recall. BofA didn't respond to their request for verification and it was deleted.

I know on a credit report they have NO WAY TO VERIFY. I'm sure it's the same for ICS. EQ just looks to see if there is an account from the creditor for the INQ, even if it's an old account.

win333 said: Got my 5% citi cashreturns card, I was able to CLR my world dividends card to it. So now I have a 30K+ line with 5% Cash Back for 3 months.

This card also has 0% BTs for 12 months from the date of the 1st BT. I will buy a few 100K on this card and then use the BT afterwards.

In this AOR I was able to CLR all my old CITI accounts to my new 0% citi accounts.

MAN! You gotta LUV CITI!!!

EDIT: I had a small balance on the dividend card that seems to have disappered, anyone have this happen before??

It would be HUGE if you could fund the CITI 40K TY point Savings / Checking account with this card AND get away w/ collecting the cash-back on that. I know it could be risky, but imagine charging $30K twice (once for Savings and once for checking) to get $60K * .05 = $3K. The funny part is you will be taking CITI's money and putting into CITI. Heck, even if they reject you for the 40K TY point bonus, the gain would be huge.

tolamapS said: win333 said: Got my 5% citi cashreturns card, I was able to CLR my world dividends card to it. So now I have a 30K+ line with 5% Cash Back for 3 months.

This card also has 0% BTs for 12 months from the date of the 1st BT. I will buy a few 100K on this card and then use the BT afterwards.

In this AOR I was able to CLR all my old CITI accounts to my new 0% citi accounts.

MAN! You gotta LUV CITI!!!

EDIT: I had a small balance on the dividend card that seems to have disappered, anyone have this happen before??

It would be HUGE if you could fund the CITI 40K TY point Savings / Checking account with this card AND get away w/ collecting the cash-back on that. I know it could be risky, but imagine charging $30K twice (once for Savings and once for checking) to get $60K * .05 = $3K. The funny part is you will be taking CITI's money and putting into CITI. Heck, even if they reject you for the 40K TY point bonus, the gain would be huge.

There is someone here that just funded the citi deal with a citi card, I need to see how it went for him. I put about 10K in charges on the card yesterday within about 10 minutes of activating it. They shut it down, I called, then paypal shut me down so I put the card in my brothers paypal account and finished my purchases.

Thats already 500 for things I was going to put on my AMEX 0% anyway. As soon as I turn my purchases into cash I will pay them off and repeat. Man CITI is either going to LUV me or hate me!

Paypal thinks they have security measures, what a joke! I have put numerous cards in my brothers paypal ID with his name, my address and my credit card # and it goes right thru.

I'm going to start taking credit cards for my apartments (with ID) and charge it as services thru paypal.

74ak said: win333 said:
I know on a credit report they have NO WAY TO VERIFY. I'm sure it's the same for ICS. EQ just looks to see if there is an account from the creditor for the INQ, even if it's an old account.

ICS may be a bit harder to dispute. I can request a free report by faxing your docs, then wait for them to mail it to you, ... no fast and easy way to dispute or b* off inqs like with EQ

swishyx, did you dispute inqs with ICS? please share the details of the process
Didn't dispute an inquiry, but did dispute one of the "declined" items.

First I had to order the report - faxed a letter to (216) 615-7642 requesting it, included a copy of driver's license.

After receiving, wrote & faxed a letter including the following item:

The purpose of this letter is to dispute the following inaccurate information on my credit file:

Declined Application Activity Section
Item x
Reference number xxxxxxxxxxxxxxxxxxxxxx
Date yyyy-mm-dd
Institution Bank of America, N.A.

Reason for dispute: Application was not declined.
BofA never responded to their verification request, so it was dropped off of the report like any other CR item where the creditor does not respond.

tolamapS' comment about them recording CLI requests is interesting - didn't know that.

I wonder if it's possible to freeze ICS/Advanced Resolution Services?

win333 said: Looks like my EQ was chopped on 4/18

... If they chop once per month, then we have to get our B* finished before the CHOPPAGE comes.

How do we get more softs of the type that EQ won't chop????

They got you with the dreaded chop, but interesting that it seems to have happened on 4/18, rather than the 4/16 as most others I have seen.

Interesting question about the non-chopped softs. Here are some observations about softs that have NOT been chopped.

Specifically coded softs:

AR (Account Review) inquiries stay on your report for 12 months, the more accounts you have the more AR you are likely to get. From what I have seen however AR do not stack up, they update with the most recent date.

PRM (Promotional) inquiries do stack up. For example, last year Household Bank (HSBC) put a PRM every month for nearly the whole year, and they have not been chopped. At one point they pulled two in one month and those still remain after the chop, meaning they were not chopped down to one per month like the daily soft pulls. If you are opted-in it may help with those. Unsure if there is a specific way to get creditors to do these "on demand." I was getting credit card offers from HSBC because I have bank accounts there, but did not have a HSBC branded credit card. The PRM stay on the report for 12 months.

DTC (Direct to Consumer) - these are placed as part of identity verification, such as when you apply for service. Examples are some bank accounts (Provident bank is on my report from a recent application), utility companies. I believe these fall off rather quickly on their own within a few months.

Other accounts may pull softs when you apply. Some of these I see on my report have been West Bank (applied for SmartyPig account), Washington Mutual (applied for Checking and Online Savings), Obopay, ANDERA (identity verification service, I haven't figured out who pulled this yet). These are all pulled as straight softs, so they should remain for 24 months.

One important aspect of almost all the above is that many of them are not affected by B*, so fill up your file and may have you achieve B* faster.

win333, how come you didn't apply for the CITI drivers edge 0% 12 mnths $0 FEE ?

i think it's a pretty good card with no BT fee.

US Bank rewards visa approved for LLC 7,500 (same as cambridge trust)

With CLI's, NO PG lines and Major credit cards the total is 160K so far.

Requested a check from citi, it said my bank doesn't allow DD into checking. Thats funny everyone else seems to be able to do it.

I called to activate my LLCs CRAP1 card and got transfered to the FRAUD DEPT.. Boy that was the wrong move for them I gave them an ear full when they wanted me to answer specific security questions. They put me on hold and the questions wouldn't pull up (maybe they tried to pull my frozen experian).

I told the supervisor, "when you have your meeting with you bosses to tell them MR. Win333 doesn't like being treated that way". What a bunch of ametures! If they think I'm going to dance for a 5K CL, HA they got another thing commin. They said I had to call back today.

I got a bunch of denial letter from chase, Go figure! After watching Venturion I figured they wouldn't count my SoleP. CL's against my LLC. I have BT's going to chase, i'll wait until they hit and call them.

Reasons were in caps "YOU ALREADY HAVE THE MAX WE CAN EXTEND YOU"
NUMBER OF INQS

1 said DEROG ON MY REPORT, but pointed me to EQ. Nothin bad on my EQ, but WalMart biz screwed up my payment! Maybe thats on my EQ biz report. I'll have to check.

I'm feeling the stress big time! I now have 48 major credit cards, 20 store accounts, 105 utility accounts, 7 mortgage payments 3 businesses going, Running my crew and making sure they have what they need and putting together my apartment conversion to townhomes. Oh did I mention, eatin, sleepin and shittin

My mail has taken over every square inch of my life

My plan is this:
Since I have so many balances and denials, i'll B* and move money around at 0% on purchases and hit up anyone who denied me during this AOR. I think i'll wait 60 days and let all the old apps flush out of the system.

OP updated a bit, it's getting confusing.

Total credit so far (not 100% up to date) 569K

Congrats on all the successes. That's a lot 'o accountage.

Speaking of Chase denials, I just applied for 2 Chase biz cards on your list (submitted the apps within minutes) and only got approved for the first one, with the second denied for reason "NOT ENOUGH TIME HAS PASSED SINCE YOUR LAST ACCOUNT WITH US WAS OPENED". My last account before this was opened over a year ago. So if they are referring to my first approved biz card, it seems like Chase may be putting a stop to biz-o-ramas?

carmelcalif said: Hi Win333,

The information you provide here is invaluable. Your stuff is the best I've ever seen on either FW or CB combined. The biggest reason is you push the envelope like a trailblazer, and that entails risk. Most people on these boards, myself included, don't have anywhere near the brass that you do, and for that, I say thank you Win333!

Win333, I had a question for you. I'm applying for business credit, and I'm looking for BIZ card issuers that might give the highest credit limits. I have Chase BIZ and Bank of America BIZ. Citi BIZ would have been my next obvious choice, but after reading about the recent AA on FW, I'd prefer to avoid for now (my oldest personal is Citi, and would hate for something to happen to it). US Bank/Elan was my next thought.

Any advice Win333? Which BIZ issuers will give cl's btwn 25k-50k (w/financials)?

Thanks again Win333. You're like the Lewis & Clark of the credit world.

Well I don't know about all that back patin, but "thank you" I'm glad it helps you!

I just got my 1st 30K approval, I think 99% of the time anything over 25K is going to require some kind of DOCs. You see what I put for Income/HHI and it hasn't ment much at all. I see FWFers with 125K get more lines than me, But I don't use my personal much. So It's a little hard to tell if the high income numbers even help at all.

If you have 750+ FICOs I'd have to go for the associates bank card, they have given MANY
instant 25K lines (I screwed my app up, my report was frozen). Next I'd say the Bank atlantic biz card, again many 25K instants. I also got 20K from the juny National Parks card, Many get a high instant lines.

I have to forget about the CITI A/A, I just got 2 personal, 1 biz, 1 biz in Jan, 1 personal in Dec.. Thats 5 cards since DEC and I'm over 100K with them. No big AOR record here!

BofA instead of giving me a bunch of 10K lines, just gave it to me in 1 line of 30K. Even though I have 90K in BT out with them right now. That brings my total to 125K+ just with them.

Chase was stingy this time, but there might be a reason. I have to check my biz credit reports before I blame it on them. But I still have over 80K with them, so they aren't to bad.

Usbank/elan seems like they are trying to catch up with the big boys.

Like I said, expecting >25K approvals is not the way this works, getting a bunch of <25K and CLRing is the way to do this right.

For this AOR I was excited about what chase would give me, I didn't expect much from BofA. It was exactly the opposite, You never know who will give you the credit lines. So IMHO it's best to hit them all and get rid of the INQs as fast as possible.

carmelcalif said: This is probably obvious, and I'm just not seeing it, but with regard to the "associates bank card," do you mean some kind of co-branded card? Or is there an actual card called "Associates Bank Card?"

Citi co-branded Associates Bank card

Awesome. Thanks guys!

clyde_frog said: win333 said: My plan is this:
Since I have so many balances and denials, i'll B* and move money around at 0% on purchases and hit up anyone who denied me during this AOR. I think i'll wait 60 days and let all the old apps flush out of the system.

great work win. can you explain what you mean in bold above?

Thats why my 1st AOR (link in OP) is call my rolling biz AOR. My cards that are 0% on purchase I will use to make purchases of various things either for my (business or to sell on eBay). I can do all the purchases on biz cards, get the cash after selling them and payoff any personal debt to clean up my personal utilization.

What I am trying to do with this is:
1) look like a high spending customer.
2) I think that makes me look like a BIGGER Business.
3) I'm kinda getting a free shot at making another business (buying and selling on eBay). (my brother is the manager)
4) I'm really rackin up my CITI 5% cashreturns card ($500 check on the way already), i've had the card for like 5 days.
5) Last but not least, I'm hoping to actually make the credit card companies some money.

It's like being a high roller in Vegas, once the casino knows you have money, they will bend over backwards for your business.

I've been pretty busy, i'll explain more when time permits.