Bank of America Secured Recon

[Anonymous]

IMO...that AU account isn't really helpng much either because of the balance....it's 85% utilized....

[Anonymous]

Yeah, I've talked to my mom about that. She is going to remove me from the card and put me on a couple other cards that keep $0 balances. I've got a Capital One secured and Disco secured that will start reporting at some point. Activated the Capital One yesterday and haven't received the Disco card yet.

[sjt]

---

@Anonymous wrote:

Yeah, I've talked to my mom about that. She is going to remove me from the card and put me on a couple other cards that keep $0 balances. I've got a Capital One secured and Disco secured that will start reporting at some point. Activated the Capital One yesterday and haven't received the Disco card yet.

---

Check out the Chase and Amex pre-qual site and see what might show up.

[Anonymous]

Score aren't near good enough yet. I've checked both. I'm going to get a BCE as soon as I can get approved for it. That's my "goal" card right now.

[sjt]

Did the site come up with any cards?

[Anonymous]

---

@sjt wrote:

Did the site come up with any cards?

---

Nope, nothing.

[sjt]

Wait for the Discover and Cap1 to report and keep the utilization under 1% for the best possible score.

Send goodwill letters to the two collections agencies.

Call B of A again for a recon.

[Anonymous]

If you don't mind saying, what are your scores?

---

---

[Anonymous]

---

@Anonymous wrote:

If you don't mind saying, what are your scores?

---

---

---

EQ 573  /  TU 587  /  EX 596

[Anonymous]

I believe your issue is the high util AU, the recent collection, and no revolving tradelines. 

Once you get the AU situation swapped and your Disco/Cap1 start reporting, you should apply again.