Using the information from yesterday’s blog post, let’s try to find two good credit cards that will be reported to the card issuer by each of the three credit reporting agencies. Let’s try South Carolina and Colorado for samples.

South Carolina Citi uses Equifax, Chase uses Equifax, Barclays -Transunion, Bank of America- Experian, American Express -Experian, US Bank- limited data but Equifax, Juniper- Transunion.

Colorado Citi uses a hodgepodge, Chase uses Experian, Barclays- limited data, Bank of America- Equifax, American Express- Experian but limited data, US Bank- two primary agencies, Juniper- Transunion

If you are following what I am proposing, if you live in the state of South Carolina, you want to find a total of two cards from either Citi or Chase (Equifax), two cards from Barclays or Juniper (Transunion) and two from Bank of America or American Express (Experian)

So what ones do you want? Do the research.

I know for me I’ll investigate the Asiana card from Bank of America (Experian) as it is a Star Alliance carrier and gives two miles per $ as one of my options. The other Experian card would be an American Express card like the SPG card (the best) or the new Premier Rewards charge card (See Ad Below) offering 15,000 Membership Rewards point on $1000 spend and no fee first year. A third choice would be the Alaska Airlines card from Bank of America that has a limited offer for 25K.

I have not had all the United cards so that will be one of my Equifax cards. My Airtran card is so old, I’ll give that one another try for a Transunion card unless I find a better offer somewhere else that will use Transunion to check my credit.

Colorado British Airways card (big promo is over) from Chase for one (Experian) pull and an American Express card the SPG or Premier Rewards Card for the other. Asiana for (Equifax) from Bank of America and the Alaska card, with maybe a US Airways card from Barclays for the risky play at Transunion.

This method will not always yield six ready contenders for your credit inquiries, but it will keep you diversified enough that your scores stay strong, you always have something to apply for, and are always travelling on somebody else’s dime. We ahve no tlooked at available hotel cards in these examples, but you can occassionally find a nice sign up bonus there as well.

Give it some thought, and please let me know of worthwhile offers you see.

Chase British Airways 100,000 Link Hurry

This deal is supposed to be over but Rene’ found this link that is still working. If you missed out on this card so far, this is a limited time offer and the links are being pulled.