Since I have now had my Barclay card for over 6 months I decided to apply for a BofA CC. It said that they couldn't give me an instant decision so I called the backdoor number and answered some questions. They were most concerened over a First Premier account that I had paid off for less than the full amount. I had been in a dispute over it and didn't agree to a settlement until it hit collections.
After explaining the dispute to them they gave me an approval with a $2500 limit.
Starting Score: FICO EQ575-TU653
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