Senior Contributor
Posts: 3,672
Registered: ‎12-11-2011

Re: How Flexible is BofA being? (Sandy Email)

I definitely think BoA will give CLIs for things like home repairs and stuff. It is a great way for people to get into debt with them and a great opportunity for them to make money 

Valued Contributor
Posts: 1,501
Registered: ‎01-29-2008

Re: How Flexible is BofA being? (Sandy Email)

modernsurrender wrote:

Tray and Yahcomb, if you don't mind sharing - could you give a brief run down of you credit profile?  


Mostly I'm curious as to whether you have any derogs at all.  That's the big thing holding me back.  I have 3 derogs (co's/collections) on my reports that are 5-6 years old...  But for the last 5+ years I've had excellent credit and have plumped my profile with several tradelines that are in perfect standing.


I wouldn't stress over the single HP normally, but I'm considering Barclays Apple and/or FNBO in late November to replace my HSBC card that was randomly closed and rather not gain a fruitless HP before then.

My TU and EQ reports are clean I have one baddie on EX a paid utility charge off due to fall off next year.  I have been with boa since late 2007 starting off with a secured card and in the beginning I never was able to get a cli either I had many denials with this bank.

Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Established Contributor
Posts: 805
Registered: ‎02-01-2008

Re: How Flexible is BofA being? (Sandy Email)

Thanks for all the feedback... I'll have to mull it over for a bit.  I don't think I'm going to call because I don't think my odds of approval with them are very good based on the history of rejections I've had from them regardless of improvements and good standing with them.


I rather save the HP and put it towards my FNBO preapproval and/or Barclays card I think this way I can still consider cutting all ties to BofA like I had planned to in the spring.

Start 2/2008: TU 495 || EX 539 || EQ 528
Now 5/2013: TU 716 || EX ??? || EQ 702

Slate: $5000 Simplicity: $5000 David's Bridal: $3500 SW Chase: $3000 FNBO: $3000 Barclay NFL: $2500 BofA: $2400 Discover IT: $1700 Walmart: $1500 Victoria's Secret: $1000 Cap1: $750 Amex Zync: NPSL
(2 derogs to go until I'm squeaky clean in 2014!)
Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012

Re: How Flexible is BofA being? (Sandy Email)

Boa still blows imo. Ive seen more ppl get denied on here for a cli even with the tragedy at hand :-(. It's a damn shame.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
New Contributor
Posts: 72
Registered: ‎08-18-2010

Re: How Flexible is BofA being? (Sandy Email)

I got a Email from boa about sandy because I live in Philly, I did call in for a cli and I got a big fat NO at first but capital one helped me on both of my credit card accounts so I called boa back and spoke to someone else in the credit department and asked them to recon and they did so I have nothing but good things to say about cap one and boa in my (opinion). I hope I helped with your question :smileyhappy:

EQ Starting Score: 584 | TU Starting Score: 547
EQ Current Score: 650 | TU Current Score: 643 | EX Current Score: 643
EQ Goal Score: 700 | TU Goal Score: 700 | EX Goal Score: 700
***Staying*** " with prayer that is " with in the garden and no (more) applying until mid-end of 2015!

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+