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BOA 123

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subwaysandwich
Frequent Contributor

BOA 123

I applied and got the card!!!! But with only $1500 CL. Should I recon and try to get a higher line?
Message 1 of 13
12 REPLIES 12
dodgerslv
Valued Contributor

Re: BOA 123

congrats on the approval! BofA is good at reconning initial limits but be aware they may do another HP. They tend to pull EX and TU. Good luck and keep us posted on the outcome.

gardening since 5/21/2016
Message 2 of 13
Bsong
Regular Contributor

Re: BOA 123

I reconned my initlal approval from BoA from $1K to $5k. Additional HP on TU. If you call the backdoor and get a CSR ask to specifically speak to a credit analyst. 

Message 3 of 13
MsLadyRover
Valued Contributor

Re: BOA 123

Congrats!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 4 of 13
subwaysandwich
Frequent Contributor

Re: BOA 123

any tips or what to mention when I am reconning?
Message 5 of 13
gdale6
Moderator Emeritus

Re: BOA 123


@subwaysandwich wrote:
any tips or what to mention when I am reconning?

Grats on your initial approval :yahoo:

 

Be prepared to explain any baddies on your report, also be prepared to state your case as to why you want a higher CL. Let them ask the questions. Good luck.

Message 6 of 13
alvon123
Super Contributor

Re: BOA 123

congrats


Message 7 of 13
-Wade-
Valued Contributor

Re: BOA 123


@subwaysandwich wrote:
I applied and got the card!!!! But with only $1500 CL. Should I recon and try to get a higher line?

Congrats on your approval Smiley Happy

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 8 of 13
Booboo71
Established Contributor

Re: BOA 123

Congratulations! I just had my boa secured 123 unsecured last week and I had to ask a credit analyst  for a cli. I managed to go from 1300 to 5000! 

Message 9 of 13
subwaysandwich
Frequent Contributor

Re: BOA 123


@Booboo71 wrote:

Congratulations! I just had my boa secured 123 unsecured last week and I had to ask a credit analyst  for a cli. I managed to go from 1300 to 5000! 


Congrats!!! I got mine to go from $1500 to $2500.

Message 10 of 13
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