I've seen all of my wife's bureau pulls and am getting ready to launch AOR2.0 if my EQ inquiries ever bump off. I'd like to net an additional 150,000 this round.
I applied for an invitation from USBank before it expired (I was really thinking my EQ inquiries would have fallen off by now - grrr).
I am planning to unfreeze report for BOA apps after all others have been completed (last on list) - I really am bummed that AMEX has no more juicy BT deals.
I messed up some of my leftover Citi lines (I've effectively reduced 68,500 total credit with them to 19,500). After unsuccessful consolidation attempts, I simply closed accounts and have been trying the CLI option to no avail on an untapped CitiBusiness PremierPass.
I will be closing my existing Barclays BankAtlantic Business card very soon. When I told the rep I wanted to close and re-apply she advised me that a closed Bank Atlantic card with a balance still owing would report to my personal credit report. Without asking why (sorry FW - I failed you), I set-up the payoff on 8/11/2008 and will request closure at that time.
INQUIRIES within 12 months 1 TransUnion...1 Equifax...5 EXPERIAN. .
BusinessDateAgencyNoteNote2
BANK OF AMERICA 09/10/2007 EX Checking Bonus
BANK OF AMERICA 09/11/2007 EX Wildlife Savings
EVERBANK 09/21/2007 EX Checking with overdraft
AMEX 04/22/2008 EX for airline Points
CITI 07/18/2008 EX CLI req (will dispute)8/18=> decided to not dispute
US BANCORP 08/07/2008 EQ AOR2.0 (invitation only)
US BANK 08/13/2008 TU AOR2.0 same app as above row (verifications dept pulled it)
PERSONAL ACCOUNTSBUSINESS ACCOUNTSIssuerAgeLimitIssuerAgeLimitAMEX IN:CHICAGO 13mos 68000 Barclays BnkAtlntc 13mos 0 (29k)
BOA NEA 13mos 3600 CitiBiz PPass 13mos 2500
BOA Plat Plus 13mos 1000 24,100 CHASE 13mos (14800 cons)
Barclays Nat Parks 13mos 1000 30k Discover 13mos 7900
CHASE Home 13mos 1000 ELAN M&T 13mos 12000
CHASE Sony 13mos 1000 AMEX 13mos 1000
Citi Div Plat Sel 12YRS 3000 AMEX Gold 4mos NPSL
Citi Universal 13mos (12000 cons)
Citi UPromise 13mos (2000 cons)
Discover Miles 13mos 1000
HSBC 13mos 600
Infibank 13mos 16000
National City 13mos 15000
RBS Kroger 123 13mos 20000
WAMU 13mos 9000
Wells Fargo 13mos (16500 cons)AVAILABLE CREDIT PERSONAL 140200 AVAILABLE CREDIT BUSINESS 23400
APPLICATIONS TO CONSIDER
(P T 2|O 5 ===> Personal Card 2nd TU Pull | Overall 5th Pull)
(B Q 6|O12 ===> Business Card 6th EQ Pull | Overall 12th Pull)
CREDIT APPLICATION ORDERISSUERTermRateFeeApplyA/DLimitBureauNOTE
P Q 0|O 0 USBank 12 0% 0 ByInv A 8000 EQ Appl 8/7 Apprvd 8/21 (PITA)
P X 1|O 1 BOA PlatPlus 12 0% 0 Link D 00000 EX status link
P X 2|O 2 Wells Fargo 9 0% 75 LgdIn A 8000 EX Closed existing to open new
P X 3|O 3 BOA Pet Rewards 6 0% 0 Link A 24000** EX CLR 23k from BOA Plat Plus
B T 1|O 4 BCLYS BankAtlantic 15 0% 75 Link A 29000** TU 13 month JuniperBiz Card instead?
P T 2|O 5 WAMU ESPN Total... 6 0% 0 Link A 3000! TU 888-687-2273 0 for rep
P T 3|O 6 Iberia Bank 6 0% 0 Link D 00000 TU Excessive Revolving Accounts
PULL True Credit Report to see if EQ got hit... then
...
B Q 1|O 7 Advanta Plat Biz 15 0% 90 Link A 2500! EQ T&C markkundinger:small limit? | $50
B Q 2|O 8 Chase Biz (AKA FUSA) 15 0% 99 Link A 29800** EQ CLR $14.8 old Biz $6k $40 CS
P Q 3|O 9 Wachovia 12 0% 75 Link D 00000 EQ FW Talk PhoneApp (866-900-0662 cr. dept)
P Q 4|O10 CITI Associated Bank 12 0% 0 Link A 00000** EQ $2k Uprom + $12k ATT then CLR to CASH RetElleve's
P Q 5|O11 RBS Peoples Bank 12 0% 60w Link D 00000 EQ BT to Debit Card/2=OK too many inq
B Q 6|O12 CitiBusiness 12 0% 0 Link A 10000 EQ 15kTYP
P Q 7|O13 Chase/PlatMC 12 0% 75 Link A 1000 EQ $25 CS (CLR $6k to biz)
P T 4|O14 Discover digital cam 12 0% 75 Link A 8000 TU fotomaniac 8/19 app date
B Q 8|O15 CHASE Cash 12 0% 99 Link ? ????? EQ? DNA (yet) $30 cardselection
P T 5|O15 BCLYS Farm Bureau 12 0% 50 Link D 00000 TU 8/22 app date (suff credit avail)
P Q 8|O16 CHASE perfect 12 0% 99 Link ? ????? EQ? 8/22 app date $25 cardselection
P Q 9|O17 CITI CASH RETURNS ........... Link x 32800 EQ FW Talk 28k from Assoc BankSTATS = 70500 NEW CREDIT 11 OPEN/17 APPSSTATS = **142300 NEW CREDIT 11 OPEN/17 APPS
(**if 29 Bank Atlantic
+ $23 BOA PET card
+ $16 Citi Assoc
+ $14.8 CHASE Biz)
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saving...
Bank Atlantic Business cards can be reopened after closing.
Barclays Credit department (866-408-4064) underwrites for Bank Atlantic and doesn't have Bank Atlantic card information in their system (perhaps Barclays Credit will have application information for 1st 30-90 days...UNCONFIRMED - THEORY ONLY)
Experian pin number takes in excess of 2 weeks to receive (if freezing that bureau)
ICS contains everything you've ever done related to credit activity. Even with EX frozen and an issuer pulling a clean TU/EQ report, some issuers still see huge numbers of applications for credit.......Good Thread and another good one to learn about ICS...
once pin is received, BOA required me to re-apply rather than simply continuing with a "PIN enhanced" original application.
Pulaski/Iberia underwriting direct number is 501-661-7379 (i updated the status thread
USBank limits credit line assignment if you currently have a large amount of available credit on report
USBank may use ICS to determine number of recent inquiries (my experience)
National City uses ICS for credit line increase requests
Wells Fargo will let you apply for a second card, deny you, let you close the 1st card, review 2nd card app and approve you
Message edited by: jackcrawfish on 2008-09-05 10:19:02 CDT
Here are a few other apps I have on my consideration list
CREDIT "WANNABE's"
^ Dicover Miles 6 4% 75 Link ? ????? TU $40 cardselection Business card
^ BCLYS Juniper EDirect 6 0% 50 Link ? ????? TU
^ BCLYS BestWestern 6 0% 50 Link ? ????? TU
^ Discover digital cam 12 0% 75 Link ? ????? TU props to fotomaniac
^ State Farm 9 0% 0 Link ? ????? TU/EQ (TU 1st then EQ 3 days later)
^ CitiProfessional 12 0% 0 Link ? ????? EQ props (citi will send invitation)
^ AMEX/BLUE 99 5% 99 Link ? ????? EX
Wow, per bureau application optimization. I've heard of it, but never seen it. It's like the loch ness monster of AORs. However, you need to view business and personal apps wholistically, some biz cards are going to be more important to pull early on a bureau then some personal cards (the bankatlantic card is way better than a personal RBS card, for instance)
I wouldn't apply for more than two Barclays cards.
Do you know if Pulaski pulls the credit report instantly, or if it's delayed? That could affect your timing.
I wouldn't apply for more than one Discover. I see you've already got a personal and a Biz... so I don't really have any suggestions. Note that the camcorder offer is a 6 month BT I think.
If you have accounts in good standing with BOA, no need to unfreeze EX. I applied for a BOA accelerated rewards AMEX with EX frozen and got approved with $16K. They pulled TU instead. Just to let you know FNB Omaha will pull TU as well as Chase and Citibank. Associated pulls EQ. Discover and HSBC equals automatic denial if EX is frozen. Hope this helps.
lsdreem said:If you have accounts in good standing with BOA, no need to unfreeze EX. I applied for a BOA accelerated rewards AMEX with EX frozen and got approved with $16K. They pulled TU instead. Just to let you know FNB Omaha will pull TU as well as Chase and Citibank. Associated pulls EQ. Discover and HSBC equals automatic denial if EX is frozen. Hope this helps.Did Chase/Citi/etc pull TU because EX was frozen, or is that just what bureau they normally use in your area? It'd be nice to have a consolidated list of what issuers will pull an alternative if EX is their first choice but they find EX frozen.
Yeah, I would keep EX frozen. I have done the same thing, and although I have not personally done any apps with the frozen EX, I assume from what others are saying that the companies computer will just go after the next reporting agency. I am planning on doing the same thing with an optimized AOR according to credit pulls (I don't see exactly the number of hard inquiries, but will assume you have between 15 and 20 on EX).
I am curious, did you simply use credit boards database to figure out where CC companies were pulling from?
lsdreem said:If you have accounts in good standing with BOA, no need to unfreeze EX. I applied for a BOA accelerated rewards AMEX with EX frozen and got approved with $16K. They pulled TU instead.Incredibly valuable information, lsdreem. Can anyone else back this up? I may alter my order of operation based on this data pointJust to let you know FNB Omaha will pull TU as well as Chase and Citibank. Associated pulls EQ.Mrs Jackcrawfish lives with me in the same zip code (her bureau pull experience). She received pulls from EQ for all of the issuers which you mentioned aboveDiscover and HSBC equals automatic denial if EX is frozen.In fact, Mrs J was approved for one biz and one personal Discover card...I can't speak for HSBC, however.
markkundinger said:per bureau application optimization. I've heard of it, but never seen it. It's like the loch ness monster of AORs.The concept, as you mentioned, isn't new but MikeR397 drafted his 2.0 based on where he expected pulls to occur
Colbys said:Will be interesting to see if your pulls are from the AOR1.0 bureau.by this are referring to Mrs J's bureau pull experience or mine? In any event it will be a bit exciting to see if there are any surprise bureau pulls (MikeR397 was slammed by Citi pulling EX when they had only recently been pulling EQ in his area)
Glitch99 said:Did Chase/Citi/etc pull TU because EX was frozen, or is that just what bureau they normally use in your area? It'd be nice to have a consolidated list of what issuers will pull an alternative if EX is their first choice but they find EX frozen.I realize your question is directed more for lsdreem but I found Eugene's Discover Biz experience worthy of a reply.
VerbalK said:I will be stealing your formatting next month when my 2.0 comes around.your most welcome, VerbalK. Pay it forward
markkundinger said:However, you need to view business and personal apps wholistically, some biz cards are going to be more important to pull early on a bureau then some personal cards (the bankatlantic card is way better than a personal RBS card, for instance)I'm going to reorder the OP by order of application so all can clearly see which ones are first, 2nd, 3rd, etc
NOTE: Business cards are BOLD
T 1|O 1 BCLYS BankAtlantic 15 0% 75 Link ? ????? TU
T 2|O 2 Iberia Bank 6 0% 0 Link ? ????? TU I'm testing Pulaski again 1st timeQ 1|O 3 Advanta Plat Biz 15 0% 90 Link ? ????? EQ T&C markkundinger:small credit limit?
Q 2|O 4 CitiBusiness 12 0% 0 Link ? ????? EQ 15kTYP
Q 3|O 5 Chase Biz (AKA FUSA) 15 0% 99 Link ? ????? EQ
Q 4|O 6 USBANK / LINUX 12 0% 0 Link ? ????? EQ FW Talk 0 fee with app
Q 5|O 7 CITI CASH RETURNS ........... Link ? ????? EQ FW Talk
Q 6|O 8 Wachovia 12 0% 75 Link ? ????? EQ FW Talk Phone app
Q 7|O 9 CITI Associated Bank 12 0% 0 Link ? ????? EQ
Q 8|O10 USBANK /ProBull 12 0% 0 Link ? ????? EQ FW Talk 0 fee with app
Q 9|O11 RBS Peoples Bank 12 0% 60w Link ? ????? EQ
Q10|O12 Chase/Disney 12 0% 50 Link ? ????? EQ aka FUSA
Q11|O13 Chase Plat MCard® 12 0% 75 Link ? ????? EQ
T 3|O14 WAMU ESPN Total... 6 0% 0 Link ? ????? TU
Q12|O15 CHASE Cash 12 0% 99 Link ? ????? EQ $30 cardselection
Q13|O16 CHASE perfect 12 0% 99 Link ? ????? EQ $25 cardselection
T 4|O17 BCLYS IFLY 12 0% 50 Link ? ????? TU
T 5|O18 BCLYS Farm Bureau 12 0% 50 Link ? ????? TU
X 1|O19 BOA PlatPlus 12 0% 0 Link ? ????? ?? status link
X 2|O20 Wells Fargo 9 0% 75 LgdIn ? ????? ?? Under my log-in
X 3|O21 BOA Pet Rewards 6 0% 0 Link ? ????? EX
I wouldn't apply for more than two Barclays cards.My wife's decline reasons on her 3rd and 4th Barclays apps were consistent with your recommendation: Sufficient crdt is avail on your acct issued by Barclays Thanks for the feedbackDo you know if Pulaski pulls the credit report instantly, or if it's delayed? That could affect your timing.Pulaski pulled the very next day for Mrs J's Iberia application (they took the same time in my AOR1.0 experience).I wouldn't apply for more than one Discover. I see you've already got a personal and a Biz... so I don't really have any suggestions. Note that the camcorder offer is a 6 month BT I think.Thank you very much. I will likely be leaving Discover off the table for this AOR.
jackcrawfish said:Pulaski pulled the very next day for Mrs J's Iberia application (they took the same time in my AOR1.0 experience).[ So, if you're really enforcing credit pull order, and all your intel is good, it means that you won't apply for another TU card until a day after pulaski?
Glitch99 said:lsdreem said:If you have accounts in good standing with BOA, no need to unfreeze EX. I applied for a BOA accelerated rewards AMEX with EX frozen and got approved with $16K. They pulled TU instead. Just to let you know FNB Omaha will pull TU as well as Chase and Citibank. Associated pulls EQ. Discover and HSBC equals automatic denial if EX is frozen. Hope this helps.Did Chase/Citi/etc pull TU because EX was frozen, or is that just what bureau they normally use in your area? It'd be nice to have a consolidated list of what issuers will pull an alternative if EX is their first choice but they find EX frozen.
Before the freeze my inqueries were EX 8/EQ 0/TU 2 I applied for bofa/chase/citi/hsbc cards in 2007, all approved but everyone was pulling EX. I froze EX in may and have applied 5 cards since then. The results ended with them pulling 90% TU now. I have one EQ inqury from citibank.
Here's My list of alerts for 2008 from TC I know its not AOR style but I wasn't trying to AOR. Either way Scores dropped no more than 30 points across the board. My Fako scores were all about 780-805 in January. They are now at around 760's-780.
I froze EX on 05/02/08 with 8 inq. TU had 1 inq and EQ had 0 Right now it shows TU 7/EX 8/EQ 1
FNBO and Associated haven't posted as new accounts yet but should sometime this month since I just recently got the cards with the last 2 weeks.
TU New Inquiry 07/05/2008 FIRST USA NA *CLI New Inquiry 07/03/2008 FIRST USA NA *CLI New Account 06/29/2008 BANK OF AMERICA *Accel. Rewards AMEX New Inquiry 06/26/2008 FNB OMAHA *forgot which one New Inquiry 05/31/2008 BK OF AMER *Accel. Rewards AMEX New Inquiry 05/14/2008 FIRST USA NA *CLI New Inquiry 05/06/2008 CITI *CLI New Inquiry 02/15/2008 CBUSA *CLI New Account 01/20/2008 CITI CARDS CBSDNA *PLAT SELECT MC
EX
New Account 06/23/2008 BANK OF AMERICA *Accel. Rewards AMEX New Account 01/20/2008 CHASE BANK USA,NA *PLAT VISA New Account 01/12/2008 CITIBANK *PLAT SELECTMC
EQ
New Inquiry 07/19/2008 CITIBANK USA N.A *Associated Bank New Account 06/23/2008 BANK OF AMERICA *Accel. Rewards AMEX New Account 01/25/2008 CHASE *PLAT VISA
I forgot to mention that I applied for Discover and HSBC personal after the freeze and they wouldn't even process the apps. Note that all my apps were online and none were instant after the freeze.
jackcrawfish said:In any event it will be a bit exciting to see if there are any surprise bureau pulls (MikeR397 was slammed by Citi pulling EX when they had only recently been pulling EQ in his area)
That's what I meant. I tried to do a mini-AOR using TU pulls, or so I thought, and they all hit EQ =/ (My EX is frozen as well.)
It's been my experience that you can't count on the pull you're hoping for. Hoping to be proved wrong here!
FNBO, and State Farm have been known not to be very AOR friendly. You may want to go for those a couple weeks before the "real" AOR if you want to include them. FNBO has a Biz card, and so does State Farm. They also offer personal. Dolmar has posted that FNBO has been very generous with CLIs without the asking.. There is always the possibility of getting them closed if you get them, after the AOR, but if you can pull the money out before they close them, you're in the clear.
PolarDude said:FNBO, and State Farm have been known not to be very AOR friendly. You may want to go for those a couple weeks before the "real" AOR if you want to include them. FNBO has a Biz card, and so does State Farm. They also offer personal. Dolmar has posted that FNBO has been very generous with CLIs without the asking..
There is always the possibility of getting them closed if you get them, after the AOR, but if you can pull the money out before they close them, you're in the clear.Has anyone had success reallocating/consolidating an FNBO card to an Infibank/Principal card? vice versa? and what about moving from personal to business cards?Leeskey711 got No answer to reallocation question
I applied for an invitation from USBank before it expiredI applied on 8/7/2008. I called 8/11. Credit rep put through to 'verifications' department. They requested paystub with address and mortgage statement with address. Rep said my annual mortgage interest statement also 'should work.' Fax number provided was 701-461-3631 (verifications department). She also provided me the reference number of my application.
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