http://ficoforums.myfico.com/t5/Credit-Cards/BOA-Denied-Secured-Graduation-What-Next/m-p/1578860#M434404 <p>Well, it depends on what's on the rest of your CR. A lot of baddies? Nothing? Some lates? It all affects your score. What scores do you have now? </p> Fri, 07 Sep 2012 21:31:13 GMT mmmagique 2012-09-07T21:31:13Z http://ficoforums.myfico.com/t5/Credit-Cards/BOA-Denied-Secured-Graduation-What-Next/m-p/1576440#M433714 So, I know this comes around a lot but I am curious. I have had high balances on the 2 cards I do have but NEVER late or over the limit on either. I have had the BOA for 1 yr and Cap One for 6 month, both secured. My limits are still in the mid to higher 500's and I was denied the graduation from BOA but received an automatic $100 increase in my limit from Cap One last month. I just paid the BOA down to $0.00 and the Cap one has a balance that I am paying off this month. Both cards are $300 limit and I am going to really work on my utilization now as roughly no balance on either once completed. Should I see a big jump in score? How much do you think in 30 &amp; 60 days? Thanks for the input, I read the forum I know how much thus is asked but I am like everyone else and am curious about my certain situation. I will start contributing now that I have had to post. Thanks Again Guys Thu, 06 Sep 2012 13:30:10 GMT http://ficoforums.myfico.com/t5/Credit-Cards/BOA-Denied-Secured-Graduation-What-Next/m-p/1576440#M433714 superdave2012 2012-09-06T13:30:10Z http://ficoforums.myfico.com/t5/Credit-Cards/BOA-Denied-Secured-Graduation-What-Next/m-p/1578860#M434404 <p>Well, it depends on what's on the rest of your CR. A lot of baddies? Nothing? Some lates? It all affects your score. What scores do you have now? </p> Fri, 07 Sep 2012 21:31:13 GMT http://ficoforums.myfico.com/t5/Credit-Cards/BOA-Denied-Secured-Graduation-What-Next/m-p/1578860#M434404 mmmagique 2012-09-07T21:31:13Z