topic Re: who has made the most app's in shortest time.?.. besides the 'crimes against humanity' guy in Credit Cards

who has made the most app's in shortest time.?.. besides the 'crimes against humanity' guy

dominow — Tue, 04 Mar 2014 22:59:34 GMT

i hear about all of these sprees. some very successful some not so. i make 2 app's and i'm nervous as a bad boy in church. i have 3 inq's now and i feel dirty

Re: who has made the most app's in shortest time.?.. besides the 'crimes against humanity' guy

RebuildingFlorida — Tue, 04 Mar 2014 23:40:32 GMT

I added 5 new credit cards in January with 2 denials. First was AMEX and the second was NFCU which hurt the most because of the 3 HP inquiries. 1 HP to join and then one from both EQ and TU for the credit card app. Then in Feb, I applied for the Chase Amazon ($2,500CL) and was accepted then a week later applied and was approved via recon for the Chase Freedom ($3500 CL).

And to make matters worse - at the end of January when I was sure I was heading to the garden - I had a mortgage broker do a HP on all three just to see how his mortgage scores compared to the ones I was seeing via Experian.com, Equifax.com, Transunion.com and MyFico.com.

So I am in the garden for hopefully a long time.

Re: who has made the most app's in shortest time.?.. besides the 'crimes against humanity' guy

Anonymous — Wed, 05 Mar 2014 03:36:25 GMT

6 approved CC apps in 5 months.

Re: who has made the most app's in shortest time.?.. besides the 'crimes against humanity' guy

Open123 — Wed, 05 Mar 2014 03:41:14 GMT

For the past several years, I've app'ed for about 3 or 4 per quarter.

Re: who has made the most app's in shortest time.?.. besides the 'crimes against humanity' guy

sailor_mercury — Wed, 05 Mar 2014 04:13:32 GMT

11 in 3 months. Two were rejected, DiscoverIT and Barclay's Sallie May. I've also been declined for a CLI on Amex Delta. The DiscoverIT decline was a surprise their denial reason was an unpaid Tax Lien. I do have a paid Tal Lein that was paid in 2008, I could have prob called to Recon it but didn't feel like it was worth it since not a lot of people take Discover in my area. I was an idiot for even apping to Barclay's they are VERY inq and new TL sensitive and I have a long list of inqs from purchasing a car last summer, the new apps and a TON of new accounts.

Score about the time of the 'spree' 702, score dropped to 672 (I think). But a lot of that was UTIL. I've bounced back somewhat and once my UTIL is down even further I think I will be well above the 702 I started with.

Approvals:

Navy Fed CashRewards

AMEX Delta Gold

AMEX Costco TE

Chase Amazon VISA

Chase SWA

Chase Slate

Victoria's Secret (never used)

HSN VISA

Lane Bryant (never used)

Re: who has made the most app's in shortest time.?.. besides the 'crimes against humanity' guy

killer_queen229 — Wed, 05 Mar 2014 03:55:43 GMT

I have probably between 19-22 inquiries.

Got 5 cards last year with about 7 denials in total. This year I got 4 cards with 2 denials (2 American Express cards, 1 Chase card and 1 Discover card).

Re: who has made the most app's in shortest time.?.. besides the 'crimes against humanity' guy

sailor_mercury — Wed, 05 Mar 2014 04:42:18 GMT

@dominow wrote:
i hear about all of these sprees. some very successful some not so. i make 2 app's and i'm nervous as a bad boy in church. i have 3 inq's now and i feel dirty

Well comparing two individuals with different needs and standards is kind of pointless.... BUT if it makes you feel better you're a credit app SAINT compared to me. I did go count the inqs from my most recent report. I'm at 42, with 14 of them being for one Auto Loan.

EX - 19

EQ - 14

TU - 9

Re: who has made the most app's in shortest time.?.. besides the 'crimes against humanity' guy

triedtogetacardandcouldnt — Wed, 05 Mar 2014 05:27:08 GMT

I am very embarrassed to say that I have 6 inquiries on my report now and with what I've done in the past two days...I'll be adding another three.

Way to go, right? My credit score will be at 700 in no time. Not.

Re: who has made the most app's in shortest time.?.. besides the 'crimes against humanity' guy

newUser0 — Wed, 05 Mar 2014 05:50:39 GMT

5 Apps (all approved) in 32 Days.

Re: who has made the most app's in shortest time.?.. besides the 'crimes against humanity' guy

afinch1992 — Wed, 05 Mar 2014 05:59:46 GMT

similar stats as newuser ^. 8 a piece for TU and EX and 4 on EQ in total. Will probably add another for the fidelity amex within the next two months

Re: who has made the most app's in shortest time.?.. besides the 'crimes against humanity' guy

johnicek — Wed, 05 Mar 2014 10:22:33 GMT

Just picked up 5 new cards Saturday night with pretty high limits compared to my 2 "Old" cards. (My siggy is arranged oldest to newest)

I still have 1 to recon and 1 app that has yet to pull/review.

Reflecting on this past weekend, I may have gone a bit overboard, but hey.

Re: who has made the most app's in shortest time.?.. besides the 'crimes against humanity' guy

Anonymous — Wed, 05 Mar 2014 10:32:21 GMT

I picked up all the inquiries in my signature between November and December. I don't have as much to show for it as I should have if I had apped more strategically. I'll be picking up even more soon when I go looking for a car.

Re: who has made the most app's in shortest time.?.. besides the 'crimes against humanity' guy

dominow — Wed, 05 Mar 2014 10:52:52 GMT

my understanding is that many inq's for an auto loan are treated as only one inq if the loan shows as an auto loan on your reports or that's how the lenders view them. need to be done in a short period to appear favorably.

Re: who has made the most app's in shortest time.?.. besides the 'crimes against humanity' guy

weehoo — Wed, 05 Mar 2014 12:50:59 GMT

Equifax in the last 2 years - 28 and 18 were the last 6 months. Experian is probably about the same, and transunion is much less.

Re: who has made the most app's in shortest time.?.. besides the 'crimes against humanity' guy

bobbay — Wed, 05 Mar 2014 13:16:29 GMT

In 7 months, 25 inquiries across the board, purchased 2 new cars, 10 new credit cards, 4 denials, with all 4 denials util was the nail in the coffin @>50%. I now never show over 6% on my reports. I started with 1 card $1000 limit and a 600 score, very high utilization, >100%...now 699 & over $40k in credit avail. Strategy was quintessential and lack of it was penalized.

Re: who has made the most app's in shortest time.?.. besides the 'crimes against humanity' guy

takeshi74 — Wed, 05 Mar 2014 13:43:21 GMT

@dominow wrote:
who has made the most app's in shortest time.?

No idea but FlyerTalk might be a good place to look with all the churners who tend to go on sprees.

@dominow wrote:
i hear about all of these sprees. some very successful some not so. i make 2 app's and i'm nervous as a bad boy in church. i have 3 inq's now and i feel dirty

Success is going to depend on one's credit and what one is applying for. 2 apps really isn't much unless you have a thin file and/or bad credit. I added 8 new accounts last year but they were fairly spread out for the most part except for 3 in March.

Re: who has made the most app's in shortest time.?.. besides the 'crimes against humanity' guy

hubison97 — Mon, 10 Mar 2014 20:39:02 GMT

Hello,

is this a federal paid tax lien? If so you should be able to get it removed from your credit report. Check out your options @ the IRS site. I did it and my credit score shot up. Good Luck!