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Contributor
Posts: 139
Registered: ‎08-18-2012
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Does BOA forget?

I have a question about if BOA forgets from at least 7 years ago? Not for me but for someone i know. They have really good credit but they do owe them money from years ago, its not on their report either. Also what do they pull when u apply?

{NFCU-25k}{Saphire-15k}{Duck-15k}{BOA-12k}{DCU-10k}{Slate-7200}{Simplicity-$7200}{USAA-6k}{DiscoverIT-5k}{CitiTY-$4100}{AmexBCE-$3500}{Venture-$3000}{WalmartDisc-$2600}{Merrick-$1200}{AmazonVisa-$1650}{Cap1-$600}
1/1/14 [Experian-Fico 747][TU-Fico744][Equifax-Fico766]
Frequent Contributor
Posts: 258
Registered: ‎05-21-2011
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Re: Does BOA forget?

I doubt it, they don't even offer CLI why should they forget/forgive. But with credit your YMMV deal applies.
Delta Amex $9500.........Marriott Rewards Premier $6500.......Discover IT $9700......Citi Preferred $3900.........Chase Freedom $4800......Barclay(apple) $5100........BofA $1500.......Capital One $4500....FNO.....$4900.....Barclay(Hawaiian airlines)$11,000
Valued Contributor
Posts: 1,715
Registered: ‎03-07-2013
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Re: Does BOA forget?


quarius wrote:

I have a question about if BOA forgets from at least 7 years ago? Not for me but for someone i know. They have really good credit but they do owe them money from years ago, its not on their report either. Also what do they pull when u apply?


some banks have their own list, or blacklist, and they tend to remember those that burned them...the CR that each creditor checks upon application also depends on state...bofa for me (CA) pulled EQ or EX



GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
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Super Contributor
Posts: 7,447
Registered: ‎10-03-2008
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Re: Does BOA forget?

BOA never forgets. They even keep lists of baddies from credit card portfolios they acquired from other banks many years ago. They do check. I was brought over from MBNA America and they never forget. Might give you a new start but they don't forget.


Starting Score: 810 July 2014
Current Score: 838 TU 834 EQ 825 EX August 2015
Goal Score: 850


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