03-24-2009 08:15 AM
I had a CO with BoA, then settled with CA in January 08.
I'd like to try again with a major card...already have a DISC CO that I am paying on.
My EQ now is 646, it was around 500 until November of last year when I focused on fixing my credit. Since then, I have improved my util (currently under 10%), and had two collections removed (3rd removal was agreed to and should be done soon). I have 4 med collections that I am HIPAAing and all show as disputed on CR.
Anyway, do you think BoA will ever forgive me and give me another shot (even with the secured card), or should I go for a credit union card?
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