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Fico 660/665 - Update Approved for BofA secured

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lithium78
Established Contributor

Re: Fico 660/665 - Which credit card?

I was instantly approved for both.  My AAoA at the time was 8 years.


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
Message 21 of 28
rootpooty
Valued Contributor

Re: Fico 660/665 - Which credit card?

The Op has zero credit history. That's a big difference
NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Message 22 of 28
Repo-ed
Senior Contributor

Re: Fico 660/665 - Which credit card?

Probably the last card I would have tried to app without any credit hx.

 

Best of luck.

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 23 of 28
Anonymous
Not applicable

Re: Fico 660/665 - Which credit card?

Thank you, I probably need the luck. Plan to call the backdoor numbers Tuesday morning to see if a decision has been made.

Message 24 of 28
Anonymous
Not applicable

Re: Fico 660/665 - Which credit card?

UPDATE: Called the backdoor number this morning and I was approved! They just had to verify my address since it wasn't listed on my credit report. I know it's only a secured and has an annual fee, but I am excited to finally build my credit file! First credit card!

 

Thanks for all your help!

Message 25 of 28
Crashem
Valued Contributor

Re: Fico 660/665 - Which credit card?

Congrats. Once that file gets up, might think about 1-2 easy to get cards.
               LIMITS IN CARD DESCRIPTIONS
Message 26 of 28
KBraggs
Valued Member

Re: Fico 660/665 - Which credit card?

Congrats on the BoA approval!

 

I applied for the same secured card last week EQ 697, TU 663, EX 725 AAoA 4yrs and was denied after 7-10 day message. Smiley Sad

Message 27 of 28
spengbab
Regular Contributor

Re: Fico 660/665 - Update Approved for BofA secured

When I had a 660 before tanking my score by apping for a lot of cards, I was able to get a Discover More, AMEX Zync, Apple Barclay's, Chase Freedom, and the Fire stone card. Never had a CC and had a 30 day late on a car loan 2.7 years ago. Of course YMMV but I think BoA is picky because of their part in the sub prime crisis. I'd check with other cccs than bofa.
Barclaycard Apple Financing (2100), Discover More (2500), US Bank Visa Platinum (2000), CFNA (2200), Chase Freedom (500), Capital One (1500), HSBC Platinum Master Card (750), Nebraska Furniture Mart (1000)
Message 28 of 28
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