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Established Contributor
Itsmeagain
Posts: 832
Registered: ‎01-16-2008
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Finally cracked the 10K "glass ceiling"

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
Current Score: TU 741 EQ 741
Goal Score: TU 765 EQ 760


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Senior Contributor
UpUpUp
Posts: 3,017
Registered: ‎06-03-2008
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Re: Finally cracked the 10K "glass ceiling"

Congrats, feels good doesn't it?
Senior Contributor
score_building
Posts: 3,524
Registered: ‎01-10-2008
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Re: Finally cracked the 10K "glass ceiling"

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.

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Established Contributor
GFer
Posts: 981
Registered: ‎04-01-2008
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Re: Finally cracked the 10K "glass ceiling"

That's awesome!

 

(I can only dream...lol)



1/28/14 EQ 817, (6/30/14)EX 821, TU 817 on 6/13/2014

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Moderator Emeritus
beamMEup
Posts: 4,473
Registered: ‎12-31-2008
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Re: Finally cracked the 10K "glass ceiling"

[ Edited ]

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?

What was your opening CL? (edited because I am now awake and know what I'm talking about)

What type of usage do you give that card?

What type of balances do you typically carry with them?

 

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!

Message Edited by utah2009 on 07-10-2009 06:51 AM
Just puttin' syrup on something, don't make it pancakes.
Established Contributor
Itsmeagain
Posts: 832
Registered: ‎01-16-2008
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Re: Finally cracked the 10K "glass ceiling"


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.


 


Starting Score: TU 737 EQ 721
Current Score: TU 741 EQ 741
Goal Score: TU 765 EQ 760


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Established Contributor
Itsmeagain
Posts: 832
Registered: ‎01-16-2008
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Re: Finally cracked the 10K "glass ceiling"


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!!


Starting Score: TU 737 EQ 721
Current Score: TU 741 EQ 741
Goal Score: TU 765 EQ 760


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Established Contributor
Itsmeagain
Posts: 832
Registered: ‎01-16-2008
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Re: Finally cracked the 10K "glass ceiling"

[ Edited ]

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 . . . . :smileytongue:

Message Edited by Itsmeagain on 07-10-2009 04:45 AM

Starting Score: TU 737 EQ 721
Current Score: TU 741 EQ 741
Goal Score: TU 765 EQ 760


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Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007
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Re: Finally cracked the 10K "glass ceiling"

Congrats. 
Moderator Emerita
LilMirth
Posts: 3,091
Registered: ‎08-09-2008
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Re: Finally cracked the 10K "glass ceiling"

5 digit congrats to you!!!! That's a downright lovely CLI!

 

BoA has been very good to me too. Less than a month ago I got a 3k CLI surprise to hit the big 10k too!

 

Great job!!

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