Senior Contributor
Posts: 4,243
Registered: ‎05-01-2008

Re: BOA CLI Question

[ Edited ]

goodgirl-badcredit wrote:

Ok well i called boa to see about the increase. It was denied due to 5 collection accounts that are 4 years old. And I had those accounts when i opened the account. She stated that as long as i had those accounts i would never get an increase. I have never been late on anything in the last 4 years. I think it is time i moved on from boa.


I also asked if i could over pay the account and then put my tuition on it she stated that it would not be a good idea. when u overpay your account it is automatically flagged for a review..

I wouldn't put 100% belief in what she's said.  Not every csr will tell you the same thing.  Wait a couple days & call at a different time of day & ask someone else their opinion.


Are your old collections paid?





Message Edited by BungalowMo on 02-15-2010 04:09 PM

Starting Score: 07/2011 TU 732 - EQ 717 - EX 702
Current Score: 06/2014 TU 739 - EQ '08 709 - EX 721
Goal Score: 850

Bury me in the garden...last app 06.18.14

Frequent Contributor
Posts: 303
Registered: ‎06-04-2008

Re: BOA CLI Question

No my collections are not paid. They total up to be about $1200 ($800 are medical bills). I will call later on this week after my balance shows up as $0. I just dont understand i had more collections at the time of approval 6 of the original collections have dropped off. And i have no negative information since. Everything has been paid on time. I did carry a balance for a few months. But i was never late.

Starting Score: 3/21 EQ 636 TU 669
Current Score: 12/30 EQ 740 TU 712 EX ??? ....
Goal Score: Yay... I reached my goal of 700!!!

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