06-04-2009 02:53 PM
Long story short. Because the stupid BOA CLD my credit card to 3200 ( $100 above my current balance ), I need to apply a hidden tradelines credit card to transfer the balance quick. Before the BOA upadte the balance to the Major Big 3. My current Util is 21% now.
If I let BOA update the balance my UTIL will be a little over 64%, I think it will scare all my other creditor.
TU fico is 738 today Clean
EQ Fico is 688 today. One 5.5 years old paid collection still on file.
Any good idea what can I do ?
06-04-2009 03:02 PM - edited 06-04-2009 03:03 PM
Thank you very much .
Do you know when will the Stupid BOA update my new credit limit
and current balance to the Major 3 ? Thy normally update my balance on 11 each month.
Do I still have the time to apply ?All the card from the site are not instanly approve .
Really scared now
06-04-2009 03:06 PM
In my experience, BOA updates immediately. EXP posts it as they recieve it, EQ and TU 3-7 days.
Link a posted, they mostly pull TU sometimes EQ.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.