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Moderator
Posts: 4,189
Registered: ‎03-24-2008
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I'm Sad.........BOA denied me

I work hard for a score of 671 EQ

 

But I guess the baddies were to bad (sham on them me):smileysad:

 

My baddie are due to fall off between now and may2010.

I guess I have to wait, But 7 yrs has been a looooooooong time!!!

I wished I could have found this info out back then.

 

This forum is Wonderful,

I enjoy helping others out,so they don't have to go thru what I did.

Also learning new things here, isn't bad either. Maybe learning new info here, will help me in my next job,if and when that happens.

FICO's Oct 2013 TU711 EQ713 EX723~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
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Re: I'm Sad.........BOA denied me

Sorry 'bout that!

 

How does your EX report look in relation to EQ? BofA mostly pulls EX.

 

 

Moderator
Posts: 4,189
Registered: ‎03-24-2008
0

Re: I'm Sad.........BOA denied me

All three CR are diff but only by a little.

 

would like to know what my EX is.

My fakos are TU629 EX 547 EQ 577

 

My FICO EQ is 94 points higher then my fako

 

I'll have to get my EX CR out and look @ it closely.

Because I thought about calling Monday to recon.

 

FICO's Oct 2013 TU711 EQ713 EX723~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
Super Contributor
Posts: 5,744
Registered: ‎01-28-2008
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Re: I'm Sad.........BOA denied me

Get your scores in the 700's and let some of the inquiries age. After that, you should get approve pending no other high debt utilization.
Regular Contributor
Posts: 153
Registered: ‎07-10-2009
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Re: I'm Sad.........BOA denied me

And then after getting your scores into the upper 700s with less than 1% util, you can watch them CLD. Oh wait that was earlier 2009.
Super Contributor
Posts: 5,702
Registered: ‎10-06-2007
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Re: I'm Sad.........BOA denied me

Soory but they did you a favor in the long run.  I would look towards a CU or possibly a regional national bank like National City.  They pull TU if that is of interest to you.
11/28/2014 FICO: EQ: 796 EX:788 TU:803
Moderator
Posts: 4,189
Registered: ‎03-24-2008
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Re: I'm Sad.........BOA denied me

Marty56

 

I believe your right, I will try a CU.

 

Thanks to everyone who replied

FICO's Oct 2013 TU711 EQ713 EX723~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
Senior Contributor
Posts: 4,257
Registered: ‎05-01-2008
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Re: I'm Sad.........BOA denied me

I've tried twice in the last year....I won't try again.  I'll find someone who really wants my business.


Starting Score: 07/2011 TU 732 - EQ 717 - EX 702
Current Score: 06/2014 TU 739 - EQ '08 709 - EX 721
Goal Score: 850

Bury me in the garden...last app 06.18.14

Valued Member
Posts: 41
Registered: ‎05-06-2009
0

Re: I'm Sad.........BOA denied me

They denied me for having accounts that are too new and not enough credit cards.  This was after my baddie has been deleted off all 3 of my cr's.  I'm going to wait until 2010 to try again or get a secured in November.
Senior Contributor
Posts: 4,923
Registered: ‎04-19-2009
0

Re: I'm Sad.........BOA denied me


marty56 wrote:
Soory but they did you a favor in the long run.  I would look towards a CU or possibly a regional national bank like National City.  They pull TU if that is of interest to you.

 

Is National City a consisten TU puller everywhere? That would be good to know - TU is my highest score (730+) and also zero INQ. A nice TU puller could come in handy. Does NatCity give CLI's on soft pulls or auto?

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