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Frequent Contributor
BobbyJ
Posts: 303
Registered: ‎02-03-2008
0

BOA Question?

How does BOA look at discharged BKs? My Bk was discharged on 4-17-08 and I have established credit for over 4 1/2 while I was in BK. My signature below gives the details of some of my accounts.

Thinking about applying for a regular Visa from them but very worried about a decline and wasting an inquiry.

What do you recommend?
 
Thanks,
Bobby
Fico Scores: EQ 677 (10/3/14) EX 648 (10/03/14) TU 656 (10/03/14)
Credit after BK DC 1/14/14: C1 Venture One $10,000 (10/2014) C1 Quicksilver Plat MC $4000 (2/2014) Sams Club Store Card $437 (10/1/14)
Survived BK Filing: Fort Knox CU Plat Visa $5000 / Lowes $7000 / HSN Card $3000 / Walmart Card $2000 / Macys $800 / Target Red Card $500 / Fingerhut $600
Epic Contributor
Creditaddict
Posts: 20,972
Registered: ‎10-23-2007
0

Re: BOA Question?

I wouldn't waste the inquiry if you do the pre-approval on there site and don't get an offer.
Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 686 Prosper(10-30-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
Frequent Contributor
BobbyJ
Posts: 303
Registered: ‎02-03-2008
0

Re: BOA Question?

Thanks Credit,
 
I tried the pre-approval site last week and they came back with the secured.  :-(
 
I did talk to a rep at BOA and they told me I should try for the Plat Visa but you know how that goes....
Fico Scores: EQ 677 (10/3/14) EX 648 (10/03/14) TU 656 (10/03/14)
Credit after BK DC 1/14/14: C1 Venture One $10,000 (10/2014) C1 Quicksilver Plat MC $4000 (2/2014) Sams Club Store Card $437 (10/1/14)
Survived BK Filing: Fort Knox CU Plat Visa $5000 / Lowes $7000 / HSN Card $3000 / Walmart Card $2000 / Macys $800 / Target Red Card $500 / Fingerhut $600

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