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Regular Contributor
johnsj21
Posts: 179
Registered: ‎09-23-2008
0

**Newbie here! Minimum score for a secured BOA?

Hey all!  Been lurking for about a week now and have finally decided to post.  DH needs to work on building up his score.  He currently has a 623 from TU but had a BK 13 in 10/05 - done paying in May 2009 - yay!!  What is the minimum score that BOA will grant a secured card to?
 
Thanks for your help!:smileyhappy:
 
9/26/08 TU: 528 EQ: 558 EX: 560
11/7/08 TU:584 EQ:601 EX 600
7/21/09 TU:636 EQ:626
12/27/11 TU: 675 EQ:680
Contributor
FreedomTrain
Posts: 86
Registered: ‎08-05-2008
0

Re: **Newbie here! Minimum score for a secured BOA?

http://whogavemecredit.com/index.php?page=search.php&srch=browse

Have a Blast shows alot of CC !

Thank You
Think Ahead of Time.......








TU: 590 EX: 521 EQ: 599 08/06/2008
Established Contributor
Breakthecycle2
Posts: 786
Registered: ‎09-15-2008
0

Re: **Newbie here! Minimum score for a secured BOA?

I don't think BOA will approve. They are not BK friendly.

Starting Score: 454
Current Score: 690
Goal Score: 750


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Moderator Emeritus
fused
Posts: 16,374
Registered: ‎03-12-2007
0

Re: **Newbie here! Minimum score for a secured BOA?



Breakthecycle2 wrote:
I don't think BOA will approve. They are not BK friendly.


I agree!
Credit Profile -
FICO 08 Scores (09-16-2014): EQ 824, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1 (Amex 07-15-2014)

Contributor
Candice
Posts: 161
Registered: ‎08-14-2008
0

Re: **Newbie here! Minimum score for a secured BOA?

Just my two cents...

I was approved for B of A secured w/ a score of 515, 12 lates from Cap one in the last 2 years, 4 lates from macys, 3 collections (2 unpaid) and an unpaid PR from 2007. I was amazed. LOL
Age: 24 | AAoA: 2.0 Years | TU Fico: 626 (April 2013) | EX Fako: 608 | EQ Fico: 601 (April 2013)
Seedling Garden Club Member - Last App: April 16, 2013 - Next App: November 2013
Discover More: $500 | Target RedCard: $200 | CareCredit: $1800 | Apple Barclaycard: $1700 | Amazon: $600
Epic Contributor
Creditaddict
Posts: 20,100
Registered: ‎10-23-2007
0

Re: **Newbie here! Minimum score for a secured BOA?

BofA will give the secured card to bk people. you just have to be 1 year out of it. so your way past that.
I also have chapter 13 and got it after 1 year from original filing.
Fico Scores: EQ 673 DCU, TU 678 Wally, EX 669 Chase(08-31-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 45 Cards in between :smileytongue:
Community Leader
Senior Contributor
laz98
Posts: 4,300
Registered: ‎09-06-2008
0

Re: **Newbie here! Minimum score for a secured BOA?

if you don't mind me asking, how much did you start out with? i am thinking of getting my foot in the door with bank of america through their secured card program. thanks!
Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 716. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Epic Contributor
Creditaddict
Posts: 20,100
Registered: ‎10-23-2007
0

Re: **Newbie here! Minimum score for a secured BOA?

min. is $300. I put $500. max is 10k i believe
Fico Scores: EQ 673 DCU, TU 678 Wally, EX 669 Chase(08-31-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Express $300
Over 45 Cards in between :smileytongue:
Valued Member
driventoscore
Posts: 31
Registered: ‎08-05-2008
0

Re: **Newbie here! Minimum score for a secured BOA?

I say go for it!
We filed in Feb '04..........paid / discharged in Feb this year.  I received a secured card from them.  I applied online also.
It is a full secured ......but they are a prime lender.
Established Contributor
Tons_of_Debt
Posts: 610
Registered: ‎08-01-2008
0

Re: **Newbie here! Minimum score for a secured BOA?

Go for it!!! They gave me one with the scores below...
08/01/2008 - 472 EQ; 523 TU; 454 EX
03/01/2009 - 574 EQ
08/08/2009 - 648 EQ
01/27/2010 - 671 EQ
07/04/2010 - 713 EQ
01/05/2011 - 730 EQ

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