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Didnt go so well with BOA credit analyst

Valued Contributor

Re: Didnt go so well with BOA credit analyst


tboy1977 wrote:

Wow.....BofA can be dumb.....


@tboy can I borrow $3,000... i have borrowed $300 from a couple other guys and have always paid them back.... Want to take a chance I will do the right thing with 10 times as much risk?

 

 

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 32.5k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 12.5k, Paypal Extras MC 8.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 11 of 53
Mega Contributor

Re: Didnt go so well with BOA credit analyst


jetsfan2012 wrote:

if at first you dont succeed...


I agree, try again!!!

 




EQ FICO 548 3/3/16
Message 12 of 53
Mega Contributor

Re: Didnt go so well with BOA credit analyst


jamesdwi wrote:

tboy1977 wrote:

Wow.....BofA can be dumb.....


@tboy can I borrow $3,000... i have borrowed $300 from a couple other guys and have always paid them back.... Want to take a chance I will do the right thing with 10 times as much risk?

 

 


I don't think the OP was looking for a $3K line, probably something around 1K which Cap1 / Discover gave.

 




EQ FICO 548 3/3/16
Message 13 of 53
Senior Contributor

Re: Didnt go so well with BOA credit analyst


jamesdwi wrote:

tboy1977 wrote:

Wow.....BofA can be dumb.....


@tboy can I borrow $3,000... i have borrowed $300 from a couple other guys and have always paid them back.... Want to take a chance I will do the right thing with 10 times as much risk?

 

 


People say the same thing on a mortgage app.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Message 14 of 53
Valued Contributor

Re: Didnt go so well with BOA credit analyst

I wouldnt bother calling back.  Obviously BofA isnt 2 year BK friendly.  BTW, good job on score.  Mid 600's 2 years from BK is really making progress.

               LIMITS IN CARD DESCRIPTIONS
Message 15 of 53
Frequent Contributor

Re: Didnt go so well with BOA credit analyst

The whole conversation with CSR reminded me of my first phone call to BoA in April when I asked for CLI. Almost the same scenario - "I just can't approve this, no way, etc...". 

It seems that different people you might get connected to while calling BoA might lead to completely different or even opposite results. I'd try calling them once again anyway, there's nothing to lose, I suppose. 

In my wallet now: Amex PRG NPSL, Amex BCE $15k $17k (thanks to recent CLI), Chase Freedom 11k, CSP $6k, Chase United ME $5k, Citi Dividend $5.6k, Discover It $4.5k and a handful of other cards...
TU Dec 2013 - 752Sep 2013 - 764 - new all time maximum

Obsolete data &colonSmiley Wink Current TU - probably around ~750. I am now applying only for cards I can have fat sign-up bonuses on, repay them right away and close before next year. That's why BKLSBNKDELAWARE probably blacklisted me long ago, LOL...
Message 16 of 53
Valued Contributor

Re: Didnt go so well with BOA credit analyst

I will never give a dime to BOA.  I've been using their free banking for 15+ years.

 

Do not bother with another recon. Give Discover your business.

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 17 of 53
Established Contributor

Re: Didnt go so well with BOA credit analyst

Ron

 

Sorry to hear that.I'm rebuilding and firmly believe where one CC provider will not give new credit, in time another one will. I've had many marks on my credit and with time it has slowly improved. I'm also trying to get approved for 1 credit card.Fingers crossed!

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Message 18 of 53
Valued Contributor

Re: Didnt go so well with BOA credit analyst

what cards where they? i applied for boa a while back said not because of the type of cards that were opened. said they cant give me credit because of those cards even though i had 3-4 years of perfect payments. so i paid closed them and waited 2 months and then got a $800 limit 5-6 months later bumbed me to $1500


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Message 19 of 53
Contributor

Re: Didnt go so well with BOA credit analyst

And ya'll wonder why I say BofA is dumb.  Every situation is like that.  One rep is a gatekeeper that locks the gate, the next may be the inside friend you need.

 

The OP wasn't looking for a $3K line I believe.  $500 would have made OP happy.  I mean honestly, is that how we rebuild credit?  Start with rebuilder cards, with silly limits, or secured cards.  In the absence of either of these, the bottom feeders like Credit One, First Premier or Matrix.  After a year or so of proper payment, you move up the ladder a little bit.  Right?  So if the lenders in this situation that did extend credit are not valid, how is a person supposed to prove he/she can be trusted?

Starting scores: EQ 420, EX 421, TU 405 (Jan 2011)
Bk Ch 7 Discharged Mar 2011
Current scores: EQ 456, EX 534, TU 411 (Aug 2012) FICO (8/2012 -- EQ 564, EX 584 (from BofA) TU 551)
Goal scores: EQ 700+, EX 700+, TU 700+

Credit accounts: 30% APR auto loan (Jan 2012), Secured [CapOne (3K), PNC (1300), NFCU (1K), Coke (2500)] and Target (200)
Message 20 of 53