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Venturion said:Any advice Clyde? I thought of calling the number provided with the rejection. I have 2 biz BofA cards and 2 personal BofA cards with total CL of ~90K and utilization of $19K all on the biz side. I also applied for a platinum plus pre-approved bofa card from jakeru that claims to have limits up to $100K. That is pending and I am definitely going to wait until that finishing processing before calling about the other boa cards. The optimal solution is to wait a few days, unfreeze EXP (may be a few late pulls?) and then apply only for the BofA cards (might freeze TU and EQ at that time). Thoughts, advice?

Does that mean the BofA pre-approved pulled a diferent 1, if thats the case then I suggest finding another BofA who will not want to pull EXP.

But if you don't mind a few EXP pulls, I agree with your last statement and was thinking the same thing about freezing the TU and EQ then unfreeze. Either way, I think your in control now!!!

My AMEX letter says to unfreeze ALL MY REPORTS, screw them!!

Haven't received the cards, but reporting today with zero balance:
$20K CitiPro
$12.7K National Parks

Result: handy drop in utilization and nice 14 point boost to TU score (760).

Spoke with credit analyst at BofA. He could see both co-branded cards that were denied due to not being able to pull Experian. The Platinum Plus pre-approved provided by Jakeru was also in limbo. He pulled TU after I explained the freeze. The $80K+ CL would require around $500K in income and/or $500K in liquid assets. He was willing to give $30K with my stats. Big factor was likely my $65K CL sitting idle on my Usair card.

Win - I put my SS# on all my apps as requested. Curious to see how your scenario turns out.

Mail delivery resumes today - lets see what turns up, especially with Chase.

So Venturion

Your saying you got BofA to pull TU for the 100,000 app. Did you take the 30,000? (maybe a dumb question)

Would he use that for the other 2 apps? I would explain that Experian hasn't sent the code yet, and they can clearly see on your TU that you are a prime borrower. Just a thought.

Good luck with BoA, You have BALLS! I would of jumped on the 30,000 offer, are you sending DOCs to get more.

I failed to mention, I already recieved the 10,000 us bank card and the 15,000 was mailed on Friday.

Give me just two or three days to work out the BofA details and then I'll share - I promise.

A little lottery in the mail tonight:
$20K from Capital One - woohoo. If I'm lucky, I'll get another $2.5K CLI when doing the BT like last time.*

I also got rejections from:
1. State Farm - "too many inquiries in the last 6 months" - I called; CSR thought app was denied b/c my $35K BT request exceeded the $25K limit. She offered to run the app again without another pull. I accepted and she asked if I had been house or car hunting (looking for a reason to overlook the multiple inquiries, which may have shown as many as 10 from TU that day). Of course I said yes - I have been car hunting. I was approved for $10K and she scheduled for another CSR to call me back tomorrow to figure what paperwork I could send in to get an even larger line. I asked for $25K.
2. RBS - "unable to verify credit references as provided." I don't know what that means. There is a number to call for "reconsideration." It was closed so I'll redial tomorrow. Letter claims Equifax was pulled.

I also received:
$20K Citi Professional
$10K ESPN WAMU

Good day for mail. Still waiting for Chase results and I'll let you know as soon as I BofA strategy has a result.

* So Cap1 may differ from Advanta in permitting more than 1 card per PG for multiple business entities. I consider myself fortunate in getting two $20K lines from Cap1.

The holidays continue... RBS approved over the phone this morning. I suspect all of my bottom half applications are going to require this type of finessing because of the multiple inquiries from Citi, Chase, etc. from the top half. This is exactly what the RBS person said (mirroring the State Farm person yesterday). And both asked/looked for reasons to overlook the inquiries. So that's two reversed decisions. Should I try the infamously difficult FNBO for a third reversal? I'm going to send in Pulaski info today (CSR indicated a HHI of over $120K will qualify for highest line of $20K). PS. RBS CSR didn't have the CL yet, so will find out in the mail in a few days.

PPS. Got the advanta approval - no CL yet.

Inq: 6EX, 1EQ*, 5TU
Scores: 781CS, 756TC, 762TC

*Credit Win for VERY fast and effective online disputing technique.

+ NCIP, PM123, CS, and CK for B*

Venturion said:Inq: 6EX, 1EQ*, 5TU
Scores: 781CS, 756TC, 762TC

*Credit Win for VERY fast and effective online disputing technique.

+ NCIP, PM123, CS, and KC for B*

What is KC in the above post? I am having some odd issues with NCIP so I'm looking to add another service for B*, thanks.

nice going.would love to see how the boa action ends.