Bank of America Secured Recon

[Anonymous]

Last week, I applied for the Bank of America secured card and I got denied. I waited for the letter to come in the mail and it said that I was denied due to past collection accounts.. I was really confused because I thought that's why I applied for the secured card in the first place, idk. Anyways, I called to recon and got rejected by some woman that wanted nothing to do with me. Yesterday, I decided to send a letter to Card Services at the address that they provided on the denial letter; I am hoping my letter finds a generous person that will reconsider my app and get my application approved.

Has anyone done this recently?

[fltireguy]

How old are the collections?

[Anonymous]

1. May 2012

2. March 2016

[sjt]

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@Anonymous wrote:

1. May 2012

2. March 2016

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What are the details of the collections.

[Anonymous]

The older one was a Westar collection or $60 and the newer one was a T-Mobile collection for $789.

[sjt]

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@Anonymous wrote:

The older one was a Westar collection or $60 and the newer one was a T-Mobile collection for $789.

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I think the reason for the denial is the T-Mobile Collection. Even though its a year old its still considered recent. The Westar Collection is under $100 so it wont effect your score and its 5 years old. However, if you have $60 to spare I would offer a PFD to get it off your reports. Is there anyway to take care of the T-Mobile Collection?

[Anonymous]

They're both paid collections, I paid both of them as soon as they hit my reports. Wasn't aware of the PFD option, unfortunetely.

[sjt]

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@Anonymous wrote:

They're both paid collections, I paid both of them as soon as they hit my reports. Wasn't aware of the PFD option, unfortunetely.

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Do they show up paid on your CRA?

also, what is your utilization on your other cards and when did you open them?

[Anonymous]

They both show up as paid, yes. Currently, the only thing showing up on my reports in regards to open revolving accounts is a Chase card that I am an authorized user on.. $18,000 balance / $22,300 CL.

[sjt]

You should check out the Chase and Amex pre-qual site to see what might show up.