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Frequent Contributor
BobbyJ
Posts: 296
Registered: ‎02-03-2008

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
Ch 7 Filed on 10/10/13 ; Discharged on 1/14/14.
Fico Scores: EQ 618 (2/28/14) EX 622 (3/22/14) TU 638 (3/5/14)
AAOA 6 yrs 2 mos. Credif File Age: 29 years
C1 Quicksilver Plat MC $3K / Fort Knox CU Plat Visa $5K / Lowes $7K / HSN Card $3K / Walmart Store Card $2K / GE Retail Credit Card $2K / Macys $800 / Target Red Card $500 / Fingerhut $600.
Mega Contributor
Creditaddict
Posts: 16,879
Registered: ‎10-23-2007

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 620, TU 675 & EX 703 (4-1-14)
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640
Mine: Navy NavCheck $3000, Kay Jewelry $2700, Pottery Barn $2800, FleetCard MC Biz $1800, HSN $1500, Vitacost MC $1500, Navy Cash $1500 and nRewards $1500, Bill Me Later $772, Cap1 Sony $750, Cap1 Spark $750, Best Buy MC $750, GE 76 Gas $650, Von Maur $600, Cap1 QuickSilver $500, Burbank CU $500, Kohls $300, Target1 $300, Target2 $300, Buckle $250, Express $250, Target3 $200
Frequent Contributor
BobbyJ
Posts: 296
Registered: ‎02-03-2008

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....
Ch 7 Filed on 10/10/13 ; Discharged on 1/14/14.
Fico Scores: EQ 618 (2/28/14) EX 622 (3/22/14) TU 638 (3/5/14)
AAOA 6 yrs 2 mos. Credif File Age: 29 years
C1 Quicksilver Plat MC $3K / Fort Knox CU Plat Visa $5K / Lowes $7K / HSN Card $3K / Walmart Store Card $2K / GE Retail Credit Card $2K / Macys $800 / Target Red Card $500 / Fingerhut $600.

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