Fico score is 716.

[killer_queen229]

I just got a denial letter from BOA and the Fico score is 716. 

And my Freedom card came yay!!

[baller4life]

Whoa! What were the reasons for denial?

[killer_queen229]

Length of time accounts have been established.

Lack of recent installment loan information.

Too many inquiries in the last 12 months.

Length of time revolving accounts have been established. 

It's okay, I got better cards than BOA .

[hot4u]

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@killer_queen229 wrote:

Length of time accounts have been established.

Lack of recent installment loan information.

Too many inquiries in the last 12 months.

Length of time revolving accounts have been established. 

It's okay, I got better cards than BOA .

---

Congrats on your Freedom .. Chase is a hard nut to crack..

BOA There loss I wouldn't waiste another HP with them Personally

Let the Inquiries start dropping off

Installment loan- It's considered 3rd Tier and helps giving you a Mix Wouldn't worrie about that

Length of Time... See you in Garden Having Chase is Awesome

[Revelate]

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@hot4u wrote:

---

@killer_queen229 wrote:

Length of time accounts have been established.

Lack of recent installment loan information.

Too many inquiries in the last 12 months.

Length of time revolving accounts have been established. 

It's okay, I got better cards than BOA .

---

Congrats on your Freedom .. Chase is a hard nut to crack..

BOA There loss I wouldn't waiste another HP with them Personally

Let the Inquiries start dropping off

Installment loan- It's considered 3rd Tier and helps giving you a Mix Wouldn't worrie about that

Length of Time... See you in Garden Having Chase is Awesome

---

A mortgage is third tier? .

Installment loans cover a broad range of things, not just consumer finance type accounts.

[killer_queen229]

Yeah I won't apply with BOA again even when I haven't applied in a long time.

[CreditMagic7]

Seems pretty expected to me. lol

Sooner or later during an apping stretch comes that Oooops. But no matter. You reeled in some nice prize catches.

Enjoy!

[killer_queen229]

With a score like that I never thought I had. I did get some nice prizes and I shouldn't feel bad that one company didn't want me to be a customer of theirs.

[hot4u]

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@Revelate wrote:

---

@hot4u wrote:

---

@killer_queen229 wrote:

Length of time accounts have been established.

Lack of recent installment loan information.

Too many inquiries in the last 12 months.

Length of time revolving accounts have been established. 

It's okay, I got better cards than BOA .

---

Congrats on your Freedom .. Chase is a hard nut to crack..

BOA There loss I wouldn't waiste another HP with them Personally

Let the Inquiries start dropping off

Installment loan- It's considered 3rd Tier and helps giving you a Mix Wouldn't worrie about that

Length of Time... See you in Garden Having Chase is Awesome

---

A mortgage is third tier? .

Installment loans 3rd Tier * Good for Credit Mix

Mortgage 4th Tier

---

[toppers555]

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@killer_queen229 wrote:

Yeah I won't apply with BOA again even when I haven't applied in a long time.

Well you have to realize score is not everything, and if I recall correctly your AAOA was not even a year because you a few weeks were suppose to be waiting to March , and then slow but surely itch got to you.  I would not write off a bank just because they would not apporve you right now, especially BOFA who in my experience has been very good to me.  Just treat your current cards well, and you will be fine.