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Got a call from Bank of America to get additional info for my Bank Americard 123 Rewards application. He asked me about income, credit, my derog from 2006 that falls off in 6 months and a 60 day late in 2006. And declined me... told me I don't have enough established credit lines that are open, (nevermind 6 +accounts, each over $10k, that were paid off in half the time and a high 690s EX score). Actually told me to go to myFico.com and read the boards on how to re-establish my credit.
Is there an executive office I can call for recon? Otherwise I'm going to let this go since I already got $11k in credit lines, just don't want to waste an HP.
Really wasn't excited about being lectured on re-establishing my credit after being told I was declined....
Silly seigex, everyone knows you need 22+ revolving accounts, 7+ installment loans, and 1 partridge in a pear tree before apping for BoA.
They did you a favor ;-)
Follow my financial journey: http://www.frugalrican.com
@FrugalRican wrote:Silly seigex, everyone knows you need 22+ revolving accounts, 7+ installment loans, and 1 partridge in a pear tree before apping for BoA.
They did you a favor ;-)
Hah, right, I forgot I have to have established credit to establish credit. I thought I plead a really good case too, talking about my assets, my savings, paying everything off early... yeeesh... Oh well I'm still learning
Did you ask for the rep's screen name?
Follow my financial journey: http://www.frugalrican.com
When the denied me I called their credit department. I spoke to a very nice woman who put me on hold several times then approved me.
@FrugalRican wrote:Did you ask for the rep's screen name?
HAH! I was wondering that when he said it... I'm sure he's reading my post right now....
Same boat as you. I apped for their 1-2-3 card back in November last year, flat out denied even with a recon
@seigex wrote:
@FrugalRican wrote:Did you ask for the rep's screen name?
HAH! I was wondering that when he said it... I'm sure he's reading my post right now....
I was gonna say the same thing. What's up with not hooking a brother up from the same forums !
@CS800 wrote:Same boat as you. I apped for their 1-2-3 card back in November last year, flat out denied even with a recon
I probably just need to let it go, my AAoA is already going to die with 3 new credit lines opened up... and I'm going to look at getting a mortgage in the next year (as long as they don't keel over laughing when they see how many inquiries I have now) ... so maybe it's best I don't...I just wanted an array of accounts...
@altayar wrote:When the denied me I called their credit department. I spoke to a very nice woman who put me on hold several times then approved me.
Were you denied straight out or did you talk to a CSR then recon after you were denied then?