Just denied B of A platinum

[jbh]

Great job, congrats!

[haulingthescoreup]

Congrats, gotta love CU's.

[SherriLynn]

Congratulations! 

[Anonymous]

Congrats!

[emanuelr1b]

I think BofA looks at Fico scores above 661 (which is considered good credit).  If you have filed BK, I believe the BK has to be at least a year old and you can't have any other negatives.

[TangMeister]

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@emanuelr1b wrote:

I think BofA looks at Fico scores above 661 (which is considered good credit).  If you have filed BK, I believe the BK has to be at least a year old and you can't have any other negatives.

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Has anyone on here been approved for BoA with a BK on the report they pulled? I've read a lot of experiences that are the opposite. I believe they're quite BK unfriendly, and will turn you down flat with one on your report...regardless of how old it is, and that includes their secured cards.

I'd love to hear from someone who had a different experience? Might give quite a few people some hope of getting in.

Edit: Oops, my bad: Seems you can get the fully secured card with a BK on your report, according to earlier posts in this thread (a link is in there reporting it on this board).

Message Edited by TangMeister on 08-31-2008 11:41 PM

[Anonymous]

I have a ch13 dismissed in 2001 (please no lectures) I had no other baddies and I applied for a secured BoA, declined instantly, sent a me a letter stating I was declined b/c I had a BK on my CR.