Yesterday, I used the back door number found here and spoke directly with a BoA credit analyist. I had one CLI in Jan., going from 5k to 7.5k and thought "why not try again". She was very courteous and asked what increase I wanted and of course I said "all I can get". So, she asked a few questions about employment and salary, and put me on hold while she pulled a SOFT report. She came back after only a minute and said she could approve a $2,500 CLI today if that would be acceptable. I said "sure" and thanked her very much.
This is my first credit line to "crack the glass ceiling" of 10k so I'm pretty hyped. I have other cards at 6,300, 7,500, 8,400, 9,500but this is my first at 10k. Wooooo Hooooooo
Now if the others will just follow suit . . . . . <sigh>
Starting Score: TU 737 EQ 721
utah2009 wrote:DH just got approved for BofA card - I've seen several posts where they are CLD - so your post is great news! Can you give us a little info on your history with them? If it's okay -------
How long have you had the card? Since Jan. 09
What was your beginning balance?
Assume you mean CL - 5K - called back door number, requested 7.5k since I wanted to do a 4k BT and didn't want that high a useage - APPROVED
What type of usage do you give that card? Got it only for the 16 mo. 0% BT they were offering at the time. Only had the one transaction for 4K
What type of balances do you typically carry with them? Bal. is now about 1.5k. I pay a few hundred per month. With the CLI, my usage is now at 15%.
Sorry - I'm feeling a bit like I've put you under the microscope. Think of it this way, we're just trying to learn from your great success. Good work!
Thank you! . . . That's what these forums are for - sharing.
score_building wrote:that's terrific, congrats itsme! good for you- you got the timing right again on your boa request. i just had the same luck with a CU cc recently and was delighted- 10k+ sure makes uti less painful if a reporting bal slips through on me again, lol.
Congrats to you Score. Yes, the CLI brings my uti down to 15% on that card which is a lot less painful. But CU's RULE!!
GFer wrote:That's awesome!
(I can only dream...lol)
GFer . . . In August 07 my scores were in the toilet. I had ignored my credit for years. I got involved in rebuilding when a car dealer offered to finance an old used car for 22.9%. Since then I have successfully removed 24 incorrect entries on my reports and have over 60k in revolving CL's (total utl is 7%). You can do it too.
Good Luck . . . . 
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