FINALLY GOT THE FORMATTING COMPLETE... enjoy

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.

Experian is frozen.

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.

Tentative launch = September 1, 2008

AOR 1.0 07/29/2007
WOR 1.0 07/29/2008

   SCORES   
Date        Service        tu    ex    eq
08/16/2008  True Credit    780   750   792
08/07/2008  CitiIDMonitr   805   787   794
08/18/2008  CredSecure     793   785   785
08/18/2008  Chase Score    850   xxx   850
07/01/2008  TU FICO (WAMU) 800            
06/20/2008  Equifx FICO                770
            INQUIRIES within 12 months      1 TransUnion...1 Equifax...5 EXPERIAN.      .
Business                 Date           Agency  Note                           Note2
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 ACCOUNTS                            BUSINESS ACCOUNTS   
Issuer             Age     Limit             Issuer             Age     Limit
AMEX 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 ORDER
ISSUER                        Term  Rate Fee  Apply A/D  Limit Bureau NOTE  
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 APPS
STATS =                   **142300 NEW CREDIT     11 OPEN/17 APPS
                                                (**if 29 Bank Atlantic
                                                   + $23 BOA PET card
                                                   + $16 Citi Assoc
                                                   + $14.8 CHASE Biz)

                             IMPORTANT LINKS                             
App Status | Reallocate | Citi Realloc Denied | Reward Checking Accounts for ALL |
Creative BT Harvesting | Citi CASH Returns Card | CC Issuer FAQ |
(dated) Card Coversion Options | Polar's 120 Apps List |
US BANK BT to Checking

I’ll be watching over the weeks ahead…

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   

That formatting is sexy.

Will be interesting to see if your pulls are from the AOR1.0 bureau.

I will be stealing your formatting next month when my 2.0 comes around.

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?

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 time
Q 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   

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

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!

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

STATE FARM RESEARCH
cyberkost's experience and subsequent feedback
Dedicated thread
DevilDoc says only existing customers are approved
I'm removing the State Farm card from my list

FNBO RESEARCH
Dolmar is in good grace
markkundinger FNBO=INFIBANK=PRINCIPAL || page 3 supports his comment
No answer to reallocation question

curtisekarr said:For the Advanta Plat Biz card you're considering, Card offers is paying $50 to apply for it through their site.Linky

Thanks for the information.