Established Contributor
Posts: 1,029
Registered: ‎05-17-2013

Re: BOA unsecured denial reason

How much could you afford to put into a secured card? Even if you paid the charge offs it's still a charge off and it's hurting your report. I would say try to get 300 bucks together open up the secured card I think think of it as a savings account where I get 3% on gas 2% at supermarkets and 1% on everything else. If you don't have 300 dollars I don't think getting a regular card would be the best idea either.

Last APP 5/24/14- Going for a house in 2015
Starting Myfico eq-(609 06/13)- Current Score (674)-Goal Score-(720)
CSP $5000,Capital One Quicksliver $3500, Discover it $3000,Chase Freedom $2200, Barclaycard rewards $1500, Sallie mae barclaycard $1400, Fingerhut $1400, Paypal smart connect $1000, Chase Amazon Visa $1000, Seasons FCU card $500

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+