I closed my BOA cc about 2 months ago (before I came across this site) to keep me from spending anymore money on it and since reading how bad it is to close accounts I decided to try to reopen the account. I called BOA and asked if they could reopen the account for me. I've always paid on time. I have one collections on my EX CR from a library fine. I just recently sent in the money for this to be taken care of. That is the only baddie that I have and it only shows up on ex. Well I was denied for a reopening due to a "pattern of late payments on accounts with other creditors." I reviewed my cr on score watch (EQ) and I only have the following accounts. (which is accurate)
Installment Loan-
$0 Balance
NEVER LATE
Installment Loan-
$0 Balance
NEVER LATE
BOA-
$998 balance
NEVER LATE
The collections doesn't show up on EQ but I know its on EX (checked free credit report). I tried to call BOA's customer service line today and the person I talked to seemed as if she had no idea what she was talking about and just gave me the run around. I told her that I had no other late payments with any other creditor other than the CA but that was being taken care of. She said that she couldn't help me and to try again in 30 days.
Is there anything that I can do other than wait until the CA falls off (which could take awhile- it is unique collections btw) Or is there a back door number I can call and speak with someone in the credit department?
**UPDATE** approved after calling and calling!
boa reopened I'm actually starting to like boa now
Message Edited by AlishaR on
01-03-2008 11:52 AM