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.
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