after soaking up the wisdom on this board for a while in silence, i decided to take the plunge and did a 23 card AOR on March 31st from 12.00-4.00pm EST.

Age: 40
HHI: $114,000
State: Queens, NY 113**

Existing Cards
01 AMEX HiltonHonors $19000
02 AMEX Blue $7000
03 Citi Professional MC $9700
04 Citi Diamond Preferred MC $5700
05 Chase Continental MC $25000 ($2000 balance)(CL not reporting)
06 Chase Flexible Rewards Visa $6100 (CL not reporting)
07 BofA Platinum Plus MC $11700 ($6950 0% balance carried)
08 Bananacard $900
AU AMEX $24000
AU Citi $9100

Existing Pulls
4 TU, 2 EX, 3 EQ

CITIUSA 02/12/2008 TransUnion
GEMB/BANAN 01/19/2008 Equifax
CHASE BANK USA, NA 10/23/2007 Experian
ONSITE MGR 05/29/2007 TransUnion
BK OF AMER 05/04/2007 TransUnion
CREDENTIAL RESEARCHERS 01/30/2007 Experian
AMEX 11/29/2006 Equifax
FIRST USA 05/10/2006 Equifax
CITI 05/01/2006 TransUnion

AOR
01 AMEX Business Gold targeted (1P -> $100 & 5K MR) approved NPSL
02 AMEX SPG (CS $25, 1P -> 10K SP) deferred/approved $1000
03 AMEX SPG Business (CS $25, 1P -> 10K SP) approved $7400
04 Citi PremierPass Elite (1P -> 15K TYP, 12/$0) deferred/approved $8500
05 Citi Platinum AMEX (1P -> 15K TYP, 12/$0) deferred/declined
06 CitiBusiness® PremierPassSM Card (1P -> 15K TYP, 12/$0) deferred/approved $12000
07 CitiBusiness® Card with ThankYouSM Network (1P -> 15K TYP, 12/$0) deferred/approved $6000
08 Chase Marriott Visa Business (1P -> 25K MR) deferred/approved $15000
09 Chase Marriott Prem Visa Sig (1P -> 25K MR) deferred/approved $11000
10 BofA WorldPoints Visa (1P-> $50, 12/$30) approved $5000 CLI $7500
11 BofA Platinum Plus Business Visa (12/$30) declined
12 Chase Amtrak (1P-> 5K AGR) deferred/approved $14000
13 Citi HiltonHonors Visa (1P -> 25K HH) deferred/approved $14000
14 Advanta Platinum BusinessCard with Rewards (CS $30) approved $5000
15 Discover Miles Card (CS $40) deferred/approved $6000
16 Discover Business Miles Card (CS $40) deferred/approved $6000
17 Juniper National Park Foundation Platinum Visa (12/$50) deferred/info requested/approved $12500
18 Bank Atlantic Rewards Business Card (15/$75) deferred/declined
19 National City Lifespring Health Everyday Rewards Visa Platinum (12/$0) deferred/approved/blocked/info requested/lifted $7500
20 USBank Sons of Norway Visa Platinum Card (12/$0) deferred/approved $10000
21 M&T Bank Visa Business Platinum Rewards Card (6/$0) approved $7500
22 Chase AMA Platinum Visa Business Card (1P -> $50, 12/$75) deferred/approved $14000
23 WAMU Plat targeted (FICO) approved $3500

Final Total: 20 approved, 3 declined

New Business Credit Lines: $72900 & 1 NPSL
New Personal Credit Lines: $87500
Total Credit Lines: $245500 & 1 NPSL

New Pulls
8 TU, 6 EX, 0 EQ

NCBK-NCCS 04/01/2008 TransUnion
AMEX 03/31/2008 Experian
CHASE BANK USA, NA 03/31/2008 Experian
CHASE BANK USA, NA 03/31/2008 Experian
BANK OF AMERICA 03/31/2008 Experian
ELAN FINANCIAL SERVICE 03/31/2008 Experian
ADVANTA FINANCIAL CORP 03/31/2008 Experian
CBUSA 03/31/2008 TransUnion
BRCLYSBANKDE 03/31/2008 TransUnion
DISCOVER FIN 03/31/2008 TransUnion
WASHMTL/PROV 03/31/2008 TransUnion
FIA CSNA 03/31/2008 TransUnion
CITI/CBSD 03/31/2008 TransUnion
CITI 03/31/2008 TransUnion

Credit Scores
15th March
FICO: 738 CK:788
31st March (pre-AOR)
TU:747 EX:778 EQ:786 CK:803
FICO:730
1st April
TU:763 EX:767 EQ:786 CK:828
2nd April
TU:748 EX:774 EQ:786 CK:805
3rd April
TU:746 EX:761 EQ:786 CK:801
5th April
TU:730 EX:761 EQ:776 CK:777
6th April
CK:773
11th April
CK:800
15th April
CK:794

Observations:
the combination of living in NY and being a Permanent Resident rather than US Citizen prevented me from applying for some of the smaller financial institutions (Pulaski, Iberia, FifthThird), and in BofA's case they redirected me to a different card because of my location.

business apps seem to be approved instantly or quickly, personal seem to be taking their time (i had no business cards previously, so maybe i'm regarded as fresh blood).

my AU status on my (US Citizen) wife's cards seems to extend my credit history (with Equifax at least) to 13 years (as against 4). but it has proved a confusing factor for a few card issuers re different addresses reported.

Discover left messages on the landline of my last address for both my personal and business applications, despite that number not appearing anywhere on my application. the number still appears on my credit reports, so they picked it up from there.

opening a online Provident Bank High Yield Savings account is taking far more time and effort than the AOR. (attempt online app - told to wait to hear from them. contact them by phone a week later - have to submit all details again. 3 minutes after my call - i get a message from them inquiring if i still want to apply. asked to fax State ID. 2 days later - asked to fax SS card.) finally called a week after hearing nothing to find out that i have been approved and welcome pack is on its way.

both Transunion and Experian got a selection of Hard Pulls, but Equifax had nothing pulled except a couple of soft...
so i was looking to see if there were any great cards recommended that generally pull on Equifax in NY, that i can apply for quickly before the other accounts start showing on the credit reports. after following the credit pulls database suggestion, it looks like the major players are HSBC,RBS and PenFed and none seemed appealing apart from additional utilization. the DCU looked promising but i didn't comply with their conditions - but it seems like a great way to utilise other credit lines that won't do DD or BT check for those who do.

it was great fun, incredibly tiring, and i can't wait to do the next.

thanks to everyone (you know who you are) for the inspiration and incredible advice on this board.

creditboards.com com has a credit pulls database on their forums somewhere that might be worth a shot.

No EQ pulls? WOW, I wish I could get someone to pull my TU, not many will in TN.

Good luck

TheManWithout said:hmmm...

so if we swapped addresses for a couple of weeks, i could have a mini-TN-EQ-orama and you could have a mini-NY-TU-orama... nice

have we uncovered the next level of AOR?
(it gets more like a strategy role playing game every day)

I have about 15 address that are available anytime!

dougneb said:Wow; this is a whole other level of complexity. I'm still figuring out the A0R basics - bumpin', freezin', and adverse action.

I can't keep all my apartments rented here, with people who actually pay rent. Maybe I could start a mail drop service to take up the slack.

RE: Win333's mail drop service...
since my address is an apo-I'd sign up for that service!!

many thanks for the warm welcome.

updated my original post with details of hard pulls both existing and new - harder to match all of them individually to cards as i did multiple apps to the same card issuer, but it should give you a rough breakdown. i have a feeling that there are still a few hard pulls in store, cause it really doesn't match up, but your guess is as good as mine.

i am in ZIPcode:113** in Queens - interesting how different my pulls seem to be from your experience.
all just makes it that little bit harder, and more exciting, when planning AORs.

on a side note - Discover left messages on the landline of my last address for both my personal and business applications, despite that number not appearing anywhere on my application. the number still appears on my credit reports, so they picked it up from there.

still no more hard pulls coming up - and i am one deferred card away from completion.
(now the complicated bit - BT juggling etc)

on the whole a decent AOR - some low CLs but i've already managed to up one of those (BofA to 7500) - and a whole slew of bonus points on the way (which was one of the major reasons for doing it now - to provide some cushioning for a European trip)

thanks once more to one and all.

and so it begins...

National Park VISA - 'Portfolio Credit Unit'
AA: BT convenience check returned and CL reduced to $1000
(reason given: too many new accounts - 5 observed - plus too many additional inquiries).

since i was paying $50 for the BT i decided to go for $12400 out of $12500. i think it might have been this that flagged the AA.

mind you, with the interest rates nose-diving it's not really that big an issue, just a shame.

5 new citi and 4 chase...you are brave SO. Congrats on results!