Reply
Valued Contributor
mjbfan79
Posts: 1,998
Registered: ‎03-31-2008

BOFA Secured turns 9 months May 1 what should i do?

BOFA seems to not be very consumer happy right now. My BOFA secured card turns 9 months May 1, i have racked up 13 recent inquires an like 5 new account after being approved for the secured card 9 months ago. I know when i call to request it to unsecure there gonna pull my credit. Should i wait for it to unsecure automatically or should i make the call? If i'm mistaken if it unsecures automatically it's just a soft pull right?


Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


Take the FICO Fitness Challenge
Regular Contributor
chuck_texas
Posts: 208
Registered: ‎02-10-2008

Re: BOFA Secured turns 9 months May 1 what should i do?

Mine is turning 14 months righ tnow but i told them several months ago to NOT do a review casue i had unresolved issues left to deal with on my CRs.

This coming week maybee monday I plan to call them myself and request a review.

 

Does anyone know what CRA they pull if you are form Texas?

After I told them not to do a review they still pulled a soft on me but nothing changed with my account. 

The soft came from EX, so would it be safe to say they would pull it again from EX?

 

Thanks

Regular Contributor
pumbaablah
Posts: 190
Registered: ‎08-14-2008

Re: BOFA Secured turns 9 months May 1 what should i do?

Mines unsecured last month. They did a hard pull on mines.
Regular Contributor
pumbaablah
Posts: 190
Registered: ‎08-14-2008

Re: BOFA Secured turns 9 months May 1 what should i do?

I really dont think it makes a diffrence. I would just call to get them to get it rolling instead of waiting. When I did mines one csr told me i had to wait 3 weeks but then when I called again to talk to another it was unsecured. Just keep on calling them when you know for sure the 9 months is there.
Valued Contributor
mjbfan79
Posts: 1,998
Registered: ‎03-31-2008

Re: BOFA Secured turns 9 months May 1 what should i do?


pumbaablah wrote:
Mines unsecured last month. They did a hard pull on mines.

Did you have any resent baddies on your credit report collection, inquiries, lates?


Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


Take the FICO Fitness Challenge
Regular Contributor
pumbaablah
Posts: 190
Registered: ‎08-14-2008

Re: BOFA Secured turns 9 months May 1 what should i do?

no recent baddies. quite a few inquiries and about 5 new accounts. a few collections did fall off in the nine month period though.. they gave me 500 cli to a total of 800
Valued Contributor
mjbfan79
Posts: 1,998
Registered: ‎03-31-2008

Re: BOFA Secured turns 9 months May 1 what should i do?


pumbaablah wrote:
no recent baddies. quite a few inquiries and about 5 new accounts. a few collections did fall off in the nine month period though.. they gave me 500 cli to a total of 800

 

Thx...

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


Take the FICO Fitness Challenge
Regular Contributor
chuck_texas
Posts: 208
Registered: ‎02-10-2008

Re: BOFA Secured turns 9 months May 1 what should i do?


pumbaablah wrote:
no recent baddies. quite a few inquiries and about 5 new accounts. a few collections did fall off in the nine month period though.. they gave me 500 cli to a total of 800

What where your scores when you had your review?

Valued Contributor
mjbfan79
Posts: 1,998
Registered: ‎03-31-2008

Re: BOFA Secured turns 9 months May 1 what should i do?


chuck_texas wrote:

What where your scores when you had your review?


 

Good question...

 


Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


Take the FICO Fitness Challenge
Regular Contributor
pumbaablah
Posts: 190
Registered: ‎08-14-2008

Re: BOFA Secured turns 9 months May 1 what should i do?

transunion...683  equifax 632...the big gap is due to a CO that is still on EQ & EX but not on transunion..When the card unsecured my EQ FICO went up to 640

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+