Hello everyone it's been awhile since i write anything although i read these posts everyday. i'm serious when i say everyday at work, home on my way to work...lol. anyways i have a question my current scores are experian 599 equifax 618 and transunion 632. i was just added to my father's inlaw bofa cc he has a 0 balance right now with a credit limit of 30,000. he has had the card for 10 years. now my question is i have no cc no revolving accounts and the only to bad things on my credit is a 60 day late payment for an xpress student loan on 5/07 current ever since and a collection from 2004 only showns up on experian. now my credit history is only 5 years so will the au of bofa help me?
guys and gals of the forum if you all only new how much youve helped me i closed on a house 11/08 my dream home 4/2 2500 sqft big back yard appraised at 260,000 bought for 200,000 short sale. appraised at one point for 385,000. because of people in this forum guiding me through thanks again in advance.
BoA told me thatadding my sister as an AU on my account would *not* help her score - and so far, it doesn't seem to have done so (we have the exact same account number). They never even asked for her SSN, so how could they report to her credit reports?
thanks for the info haulingthescoreup you guys rock. i have citi as my mortgage but they denied me even though what i originally wanted was a secured cc they still pulled my credit for another cc but should i try and get a secured one with them or better to try bofa secured cc instead. one last question i know its hard to estimate what increase i can get but through you experience what would be your guess with having a revolving account and a limit of 30000 when i had no revolving items at all ever. promise i wont hold it against you ...lol