Credit Card Center Advertiser Disclosure

New Visitor
Posts: 8
Registered: ‎09-06-2012
0 Kudos

BOA Denied Secured Graduation, What Next?

So, I know this comes around a lot but I am curious. I have had high balances on the 2 cards I do have but NEVER late or over the limit on either. I have had the BOA for 1 yr and Cap One for 6 month, both secured. My limits are still in the mid to higher 500's and I was denied the graduation from BOA but received an automatic $100 increase in my limit from Cap One last month. I just paid the BOA down to $0.00 and the Cap one has a balance that I am paying off this month. Both cards are $300 limit and I am going to really work on my utilization now as roughly no balance on either once completed. Should I see a big jump in score? How much do you think in 30 & 60 days? Thanks for the input, I read the forum I know how much thus is asked but I am like everyone else and am curious about my certain situation. I will start contributing now that I have had to post. Thanks Again Guys
New Contributor
Posts: 82
Registered: ‎04-05-2011
0 Kudos

Re: BOA Denied Secured Graduation, What Next?

Well, it depends on what's on the rest of your CR. A lot of baddies? Nothing? Some lates? It all affects your score. What scores do you have now? 

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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* 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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.