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New Contributor
mogo
Posts: 54
Registered: ‎06-20-2007
0

BofA -- I love you

I just got my first prime card (black amex rewards) - limit is 1k , but who cares.  
 
I cannot thank all of you enough for teaching me about fico credit.  I have gone from low 500's to high 690's in less than 8 months.
Frequent Contributor
Solarjuju
Posts: 335
Registered: ‎04-04-2008
0

Re: BofA -- I love you

Congrats!!!
Senior Contributor
FretlessMayhem
Posts: 3,279
Registered: ‎08-03-2007
0

Re: BofA -- I love you

Congrats! That card will definitely grow with you.
Here we go again...
Frequent Contributor
tonsers
Posts: 431
Registered: ‎02-07-2008
0

Re: BofA -- I love you

Way to go! :smileyhappy:
Regular Contributor
kobe81
Posts: 174
Registered: ‎03-05-2008
0

Re: BofA -- I love you

I like BOA a lot. I have two CC's with them, along with a Personal Checking and Savings account.
Frequent Contributor
creditreformer
Posts: 395
Registered: ‎04-25-2008
0

Re: BofA -- I love you

Congrats mogo. Looking back, what made your scores rise the most in such short time? Is there anything you wish you knew then?

Established Member
Cinderella5596
Posts: 46
Registered: ‎04-28-2008
0

Re: BofA -- I love you

nice!!!  how did you start off rebuilding??  im just starting out re-b.  i thought i should stay away from CCs, etc but this board has taught me so much!!  i just got the99/500...im on my way!!  congrats again :smileywink:
Established Contributor
contractor
Posts: 697
Registered: ‎03-09-2008
0

Re: BofA -- I love you

You rock ! Good work.
/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\

"No good deed goes unpunished"




There is nothing more simple, nothing more complex than the relationship between Country Boy and Dog.
New Contributor
mogo
Posts: 54
Registered: ‎06-20-2007
0

Re: BofA -- I love you

Sorry it has taken awhile to respond - computer down.  My scores have risen mainly from time, not applying for credit, and not carrying a balance ( I pay in full before the statement cuts).  As for what I wish I knew before hand is the dramatic affect of lates.  My family had some health issues that distracted me personally as well as monetarily.  I would have some lates because of medical bills, but would not have had the number of lates if I had managed it differently.  I should have worked out more payment plans with medical providers vs. paying in full and letting something slip.  I should have also contacted my creditors and explained the situation and asked for help from them as well as family.  I just hate have payments hanging over my head other than a car and mortgage.
Established Contributor
beenthere
Posts: 971
Registered: ‎01-13-2008
0

Re: BofA -- I love you

I'm glad for you. BoA won't touch me. Sad but I can't blame them.
1-14-08....... TU=683, EQ=667, EX=666
7-04-08....... TU=688, EQ=678, EX=682.......
.......4 of my 5 cards and a new car later.
2/13/09 and forever EX 693

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