08-14-2009 11:06 AM
I'm looking forwardly to my 9 month anniversary on my Bank of American partially secured card in September. I still have 4 derogatory accounts (all PIF) showing on my credit report. Is this going to hinder the graduation at all? I've read of people who it didn't graduate for untill 11 months. Also, BOA did an account review of my Transunion report a couple days ago. Is this in preparation for the graduation, or so that they have a reason to deny me?
After the Cabela's blow I took today I'm worried that the BOA graduation I've been looking forward to is going to get screwed up also.
08-17-2009 02:00 PM
08-17-2009 05:09 PM
08-17-2009 05:19 PM
08-18-2009 06:35 AM
My BOA 99/500 unsecured this past February, which was 11 months after I got it. My scores at the time were low to mid 500s. I only PIF's maybe 3 or 4 times, and usually had a balance of 70%-90% but I was never late. But it just unsecured one day. I did get turned down for a CLI, however. But at this point, my scores are about 100-120 pts better and I have PIF'd every month since it unsecured.
Will try for another CLI after this whole mortgage thing is settled out. I dont want to do anything to mess with my credit while I am in underwriting.
08-21-2009 07:37 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.