Mrs Jackcrawfish and I are planning a cruise in February next year. Proceeds from this AOR will be used in part
to pay for tips while traveling.

GOAL
Get Good Bed of Credit to leverage for her AOR2.0
Earn some cruise spending & tip cash
Test Apps for my own AOR2.0 planned for September (AOR 1.0)

SCORES

Date       Service        tu    ex    eq
07/29/2008 PM123 FAKO's   776   750   780
07/03/2008 CitiIDMonitr   796   790   784
06/20/2008 Equifx FICO                796
06/09/2008 PLUS Score     792   784   780

INQUIRIES

Business           Agency  Date         Note                                   Note2
CITIBANK           EQ      04/20/2008   40000 TYP
Macys/DSNB         EX      09/14/2007   15% off purchase (unbumpable inquiry)  
CITIBANK           EQ      07/10/2007   USA account, I think
GEMB/JCP           TU      03/16/2007   15% off purchase                       bumped off 08/04/2008
LOCAL CREDIT UNION EQ      10/30/2006   Renewed LOC account

ACCOUNTS

Issuer           Age     Limit   Type       Owned?
Citi Div Plat Sel  12yrs   13k     Revolving  AU

APPLICATIONS TO CONSIDER

ISSUER                Term  Rate Fee  Apply A/D  Limit Bureau  NOTE  
 
PERSONAL CREDIT
1  Chase Plat MCard®     12    0%  75  Link   C  00000   EQ   Immed Consol
2  AMEX/BLUE             99    5%  99  Link   D  00000   EX   This is for AOR2.0 strategy
3  BOA PlatPlus          12    0%   0  Link   D  00000   EX   unable to obtain credit report
4  CITI Associated Bank  12    0%   0  Link   C  00000   EQ   CLR $15k to CASH Returns
5  CITI CASH RETURNS     ............  Link   C  00000   EQ   FW Talk 15k from Assoc; adverse closure
8  USBANK / LINUX        12    0%   0  Link   A  25000   EQ   FW Talk 0 fee with app
10 BCLYS Juniper EDirect  6    0%  50  Link   C  00000   TU   CLR 9.5k to Bank Atlantic
11 Discover® More Card   12    0%  75  Link   A  08000   TU   (pull also used for the biz app)
12 BCLYS IFLY            12    0%  50  Link   D  00000   TU   Sufficient crdt is avail on your acct issued by Barclays
15 WAMU ESPN Total...     6    0%   0  Link   A  02000   TU   
16 BCLYS BestWestern      6    0%  50  Link   D  00000   TU   Sufficient crdt is avail on your acct issued by Barclays
17 Wells Fargo            9    0%  75  LgdIn  D  00000   EX   Under my log-in.. they tried to pull EX
18 Chase/Disney          12    0%  50  Link   C  00000   EQ   CLR 10500 to Biz
19 USBANK /ProBull       12    0%   0  Link   D  00000   EQ   FW Talk max unsecured credit already avail
20 BOA NEA Card          12    0%  30  Link   D  00000   EX   unable to obtain credit report
21 FNBO                  ............  Link   D  00000   EQ   FW Talk/Hopeful
22 PRINCIPAL              9    0%  3%  Link   D  00000   EQ   Excessive inquiries
23 RBS Peoples Bank      12    0% 60w  Link   D  00000   EQ   too many inq
24 BOA Pet Rewards        6    0%   0  Link   D  00000   EX   unable to obtain credit report
25 State Farm             9    0%   0  Link   D  00000   TU|EQ 08/01|08/04 (respectively)
27 Iberia Bank            6    0%   0  Link   A  10500   TU   Will BT approx 10/31/2008 1st time
28 CHASE perfect         12    0%  99  Link   D  00000   EQ   $25 cardselection too many inquiries
29 Wachovia              12    0%  75  Link   D  00000   EQ   FW Talk Phone app / Excessive inquiries
30 AMEX CLEAR            ............  Link   A  02000   EX   Denied at first
31 AMEX HILTON           ............  Link   D  00000   EX   
32 BCLYS Farm Bureau     12    0%  50  Link   A  02500   TU   !Applied 2 days after initial 3 BARCLAYS apps!
34 CHASE invitation      12    0%  99         D  00000   EQ   too many inquiries
35 CITI Professional     12    0%  99         C  00000   EQ   Converted to PlatSel; Will CLR to CASH Returns; 10k lost to AA
36 BOA Plat Plus         12    0%  30  Link   A  10000   EX   I reapplied 8/26 after defrost

STATS =            60000 NEW CREDIT      7 OPEN/29 APPS (after consolidation and Citi AA)

BUSINESS CREDIT
6  Chase Biz (AKA FUSA)  15    0% 99   Link   A  16500   EQ   Card= 08/20/08 CLR 10500
7  CitiBusiness          12    0% 0    Link   C  00000   EQ   10k lost to AA
9  BCLYS Bank Atlantic   15    0% 75   Link   A  27500   TU   $9.5k CLR from Juni Em Direct
13 Advanta Plat Biz      15    0% 90   Link   A  02500   EQ   T&C markkundinger:small credit limit?
14 Dicover Miles          6    4% 75   Link   A  05000   TU   $40 cardselection
26 CHASE Cash            12    0% 99   Link   D  00000   EQ   $30 cardselection too many inquiries
33 Elan M & T             6    0% 0    Link   D  00000   EQ   inquiries
XX 5/3rd                 12    0% 0    Link   Not available locally

STATS =           051500 NEW CREDIT      4 OPEN/ 7 APPS (after consolidation and Citi AA)

IMPORTANT LINKS
App Status | Reallocate | Citi Realloc Denied | Reward Checking Accounts for ALL | Creative BT Harvesting | Citi CASH Returns Card

Do you have a preferred cruise line? They might have a rewards card.

tips? you know those are negotiable... You should spend the money on drinks instead. 7, 8 bucks a pop really adds up.

Might wanna go with the no-fee BofA card Link

Applied for and instantly approved for CHASE cardApplication Approved
Congratulations. Your application has been approved. You will receive
your card and complete account information within 2 weeks by mail.
Applied for and instantly received denial for AMEX BLUEIn processing your application we have determined that you have restricted access to credit information with a consumer reporting agency. Once you provide us with the access code, pin, or authorize American Express to receive information from your credit file from the consumer reporting agency listed in this letter, we will continue processing your application. Regrettably, if we do not hear from you within 30 days from the date of this letter, we will be unable to provide additional consideration to your request
Applied for and instantly received deferral for BOA Plat PlusYour business is appreciated and careful consideration is being given to your request, but an instant decision cannot be provided at this time.
For more information on freezing a credit file so as to prevent inquiries, see theman's thread

cyberkost said:Do I see monospace font? GRE-E-E-E-EN! Finally a solution for all those alignment problems that many posts with tabular material suffer.

The code tag is your friend.

Venturion said:Jack - what am I missing? You only list one active account? You only applied to one Chase biz card? I applied to 5-7 Chase biz apps in both of my A-O-Rs and got approval on five of them each time. This was July 07 and Feb 08, so the world may have changed.Yes - only one account as AU.

As I recall, CHASE uses the same bureau report, correct?

edit: my bad... it was US Bank
edit2: i see Venturion disputed inquiries via Win333 technique (I'll search for his technique unless someone here feels "spoon generous")
edit3: If I'm reading Win333's post correctly:
1) fill report with softs using multiple services
2) prior to choppage, "trap" the softs pulled in step 1 by disputing with EQSilver
3) continue pulling with services. When choppage happens, only the softs pulled following the EQSilver dispute will be removed

Unfortunately, Chase does pull separate reports for each app, but sometimes they get aggregated and, of course, you can bump them

As for disputing EQ inquiries, that ability has sadly gone away. Anyone have different recent experience?

jackcrawfish said:edit: my bad... it was US Bank
edit2: i see Venturion disputed inquiries via Win333 technique (I'll search for his technique unless someone here feels "spoon generous")
edit3: If I'm reading Win333's post correctly:
1) fill report with softs using multiple services
2) prior to choppage, "trap" the softs pulled in step 1 by disputing with EQSilver
3) continue pulling with services. When choppage happens, only the softs pulled following the EQSilver dispute will be removed

INQUIRIES

AT LAUNCH
EQ = 03      (1 < 12 mo)
EX = 01  (it is < 12 mo)
TU = 01
THROUGH 16 HOURS and 15 APPLICATIONS
EQ = 10
EX = 01
TU = 06
THROUGH 5 DAYS and 33 APPLICATIONS (6 apps believed to require Experian pulls)
EQ = 15
EX = 01
TU = 06

Message edited by: jackcrawfish on 2008-08-04 16:39:00 CDT
Message drafted by: jackcrawfish on 2008-07-30 15:17:00 CDT

for AMEX, if experian is frozen, you will get denied if they pull it. you can apply for another one and they may pull TU, and get a deferral.