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anca21bi wrote:I considered BK, but decided to work through all my 23 collection accounts myself. My fico scores are Eq-476-which just went up yesterday 21 points, Tu-554, Ex-529, I don't know why but once I get my letter in the mail I'm goint to contact them.If you have 21 collection i'm thinking that's the reason why they wont approve you.
anca21bi wrote:I have already paid off 4 collections account in July and will pay off another in August; with possbility of another. I will continue to pay off at least 2 negatives a month. On top of that sending out GW and PDF-this site is my only answer and help to give me the motivation.I had a unsecured orchard bank cc that went into collections after I had my baby, so I don't think I can go secured with them.Well keep paying it can only get better good luck on your credit success. Maybe after you pay some stuff down your can try to apply again with BOFA.
preci0uz wrote:
do you have any accounts with BOFA?
Maybe having a savings account?
anca21bi wrote:I have already paid off 4 collections account in July and will pay off another in August; with possbility of another. I will continue to pay off at least 2 negatives a month. On top of that sending out GW and PDF-this site is my only answer and help to give me the motivation.I had a unsecured orchard bank cc that went into collections after I had my baby, so I don't think I can go secured with them.
jmbfl wrote:anca21bi wrote:I have already paid off 4 collections account in July and will pay off another in August; with possbility of another. I will continue to pay off at least 2 negatives a month. On top of that sending out GW and PDF-this site is my only answer and help to give me the motivation.I had a unsecured orchard bank cc that went into collections after I had my baby, so I don't think I can go secured with them.I think you need to wait until your picture improves before applying for more credit (secured or otherwise). The longer you can hold off the better you will doI agree.