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Established Contributor
Badcreditguy
Posts: 623
Registered: ‎08-14-2007

BOA RECON

Does anyone have a good BOA recon number this number 1-302-741-1825 doesnt seem to be active.
Frequent Contributor
lurknomore
Posts: 356
Registered: ‎10-10-2007

Re: BOA RECON

[ Edited ]
Yesterday I called 866-865-7842 and the credit dept analyst was very helpful when I asked for a manual review in response to a recently denied CLI request. 
 
Not only did I get the requested cli on my plat plus visa, I also was offered a BoA Amex (which I gladly accepted)!  Recon is definitely worth a try.
 
 Good luck!!



Message Edited by lurknomore on 04-15-2008 06:38 PM
FICO: 8/08 - TU 718; EQ 702; EX 733 (Bonafide 700 club member!)
Next goal: 750s across the board!!
Established Contributor
Badcreditguy
Posts: 623
Registered: ‎08-14-2007

Re: BOA RECON

Has anyone had success reconing on a denied credit card request with BOA? I got offered the fully secured card do you think they could offer me the 99/500 card?
Established Contributor
unknown_entity
Posts: 853
Registered: ‎03-21-2008

Re: BOA RECON

 I called today and tried a recon with them, no go, but the rep told me they sent me a 99/500 approval with the denial letter...lol :smileyvery-happy:I  I'm going to call back tomorrow and try again.  Can't hurt to call.  B of A really likes people with long histories though.  Short histories get the secured offers according to the credit analyst I spoke with.  Once you establish a good history with them, they are pretty quick  (6-9 months) to unsecure you. 
07/26/2007 TU-688
EQ-656
EX-649
Established Member
Christabelle22
Posts: 22
Registered: ‎05-21-2008

Re: BOA RECON

I called this number as well and talked to Mark who was very helpful.
My story: yesterday I applied for Chase, Discover and BOA after paying off my old low limit/high interest cards and improving my credit.
 
Discover said yes and gave me 3800 instantly.
Chase and BOA said they needed more time to process.
 
Today I called Chase for recon and was told No, I have too many inquiries and my accounts are too new. 
 
Then I tried BOA at the number above.  I have two other BOA accounts, one PIF and another revolving line with 2000/5000 so this might have been part of the reason they were so helpful...maybe, maybe not.  Mark said I had excellent credit and have never paid a bill late and he'd be glad to help me process this app over the phone.  He asked me to verify my job and income and then said he could approve me for a 5000 CL as well as the BOA Amex for 2500 as well!!!

Starting Score: TU: 723 EX: 702
Current Score:  TU: 723 EX: 702
Goal Score:  TU: 760 EX: 750

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Regular Contributor
turbowrx
Posts: 244
Registered: ‎10-15-2007

Re: BOA RECON

Can a credit analyst look at your account and CLD  or rate jack you when you call to recon a CLI denial?
Established Contributor
granny031350
Posts: 951
Registered: ‎12-04-2007

Re: BOA RECON

[ Edited ]
I got my denial letter today for B of A and no 99/500 in the envelope, only fully secured.  Would it help to try for 99/500 on recon?
 
just called.  Rep told me it is based on credit file.  I have a Bk (actually I have more than 1 :smileysad:) so that is why I was offered only fully secured.  Those with no BK but poor credit get the 99/500. 
 
But the fully secured will grow with me just as much as the partially secured
 
 


Message Edited by granny031350 on 06-04-2008 01:53 PM
Mega Contributor
Creditaddict
Posts: 16,910
Registered: ‎10-23-2007

Re: BOA RECON

99/500 is a computer offered card based on applying for the plat. visa, not a representative offered card isn't it?
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

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