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OK, specifics, since it all depends on the individual tradleine in question:
If that BOFA account has:
- Good limit
- No lates or other negative information, ever
- Low balance
- Longer history than yours
Then take the AU and make certain you do something incredibly nice for the person granting you this favor.
That said, looks like you'd be just fine FICO wise if you simply paid your cards down, ~66% is non-trivial.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 648, Wally TU 673, EX 687 (06/15/13)
Goal Score: 680 in all three (01/01/14)
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