Left the garden to do a mini spree and bofa, citi, discover CLIs

[Anonymous]

Coming out of the garden after a successful spree in 2017.

Ex 775 TU 701 EQ 705 

Soft Pull CLIs last week;

$ 7000 cli for BOFA, $ 1000 CLI for Citi diamond, $ 1000 CLI for Discover .

[Costco citi CLI denied-they gave me a CLI of 5000 in 2018]

5 inquiries will drop off on Jan 25,2019.

2 more will drop off end of Feb 2019.

1 more will drop off in March 2019.

1 more will drop off in May 2019.

Closing on a real estate investment property on jan 28,2019.

The plan is to add another 100,000 in personal lines over the next 6 months.

Have joined Bethpage CU, Alliant CU, Unify CU.

Pre approved for Discover It,US bank, PreQ for BOFA .

This is my plan and sequence from Feb to August 2019:

1.NFCU cli.

2.Penfed Cli

3.Bethpage CU app

4.Discover App

5.BOFA app

6.Unify app

7.Alliant app

8.NFCU 3rd card app

9.Penfed 3rd card app

Would appreciate feedback  and if I should change up the sequence. 

Below are my stats..

Ex 775 TU 701 EQ 705

4% utilization;Income 150,000 a year.AoAA; 6 years ;1 mortgage inquiry  in the last 12  months. 

1 late payment in sept 2018.

Personal :277,600 CL

citi TY pref 30500;citi diamond preferred  12000

amex blue 8800;amex 7500;

chase freedom 6300;chase au 6500;chase slate 10,000

discover 11500;discover au 9500

BOFA  mastercard  -$17000[ SP cli last week]

Penfed platinum $17500;Penfed power cash 7500;PenfedPLOC 25000

NFCU rewards 20,000;NFCU plat 22500;NFCU ploc   15000 

NEFCU CU 27,000

TD business solutions 23,500[ reporting to personal]

Business  :170,500 [ not reporting to personal] 35% utilization

amex platinum charge;amex business 9500; Amex simply cash 22000

Citi costco business -$17000;; Chase Ink 22000

NFCU biz cc 15000;NFCU biz loc 10000;NFCU biz loan 17500

TD LOC  57500

[Anonymous]

At first glance and my comment is based on reading through the forum - move Alliant up. They are super HP and new account sensitive. But overall I think your strategy is legit! Best wishes friend! 

[BigBS]

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@Anonymous wrote:

At first glance and my comment is based on reading through the forum - move Alliant up. They are super HP and new account sensitive. But overall I think your strategy is legit! Best wishes friend! 

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Would also move PenFed up.  They can also be inquiry sensitive.

[Anonymous]

I agree but I mean he has PenFed 2nd lol. But he can def move Navy down. So overall good point

[Meanmchine]

With a 775 EX score, I would look to adding an Amex revolver.  Even if you start with a $2k SL, in 14 months, its possible to have a $30K + limit (IV might be needed tho )

EDIT

On second thought .... maybe not

On a side note, it looks like all you did HP wise was to join CUs. If you did not apply for any product, then you dont have to leave the garden if you still wish to retain your spade

[xaximus]

Congrats on your CLIs! A few words of advice though, as I read through your goals and plans, I would recommend slowing down. 100K in 6 months is a pretty big increase (30-40%). That may be risky in today's market/economy. I would apply for the cards listed but would definitely increase your time goal from 6 months to a year.

[Anonymous]

Congrats on CLI !!!

[Anonymous]

Thanks for the feedback folks.

Will definitely extend the spree over 12 months.

10 day countdown to start apping.

The new sequence

1.NFCU cli.

2.Penfed Cli

3.Alliant CU app [may drop this one altogether-dont want to waste HP]

4.Bethpage CU app

4.Discover App

5.BOFA app

6.Unify app

8.NFCU 3rd card app

9.Penfed 3rd card app

10. US bank[maybe in end 2019]

Anybody recommend USAA with my profile?

And should i consider Ebates and Uber pre approvals?

[800FICOGoal]

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@Anonymous wrote:

Thanks for the feedback folks.

Will definitely extend the spree over 12 months.

10 day countdown to start apping.

The new sequence

1.NFCU cli.

2.Penfed Cli

3.Alliant CU app [may drop this one altogether-dont want to waste HP]

4.Bethpage CU app

4.Discover App

5.BOFA app

6.Unify app

8.NFCU 3rd card app

9.Penfed 3rd card app

10. US bank[maybe in end 2019]

Anybody recommend USAA with my profile?

And should i consider Ebates and Uber pre approvals?

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Have you done any calculations as to what will happen you your AAoA?

[Anonymous]

800FICOGoal 

Valued Member

Have you done any calculations as to what will happen you your AAoA?

Hi. Not really concentrating much on AAoA..maybe I should.

I think I will be still around 4 years after the dust has settled at the end of this year.

I also have a Penfed personal loan pre approval check...I am wondering if I should take that up..