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Member
tkelly0314
Posts: 5
Registered: ‎03-17-2009
0

you've gotta love the backdoor numbers!

[ Edited ]
So I recently posted on here that my credit line with Bank of America had been reduced to 9,000 (was 15,000). So I called and the credit analyist told me that he couldnt raise it back that the 9,000 was sufficient for me right now. I was looking at the list of backdoor numbers earlier and decided to give them a call again, I know I was risking it but the lady was very nice, inspected my report, (I have 4 collection accounts for medical bills that totals 597.00) I explained the bills (she told me they didnt really take medical bills into account as much) and told me that she had decided to raise it back to the 15,000, that she didnt see anything to be concerned about!! I'm sooo happy!
Message Edited by tkelly0314 on 04-22-2009 12:04 PM
Senior Contributor
score_building
Posts: 3,551
Registered: ‎01-10-2008
0

Re: you've gotta love the backdoor numbers!

that sure is good news, congrats!
FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Established Contributor
YoungEntrepeneur
Posts: 586
Registered: ‎03-03-2009
0

Re: you've gotta love the backdoor numbers!

It's good to see BoA working with their customers in this environment.
Regular Contributor
tunseeker1
Posts: 108
Registered: ‎04-06-2008
0

Re: you've gotta love the backdoor numbers!

Congrats!  what kind of dti do you have?
Valued Contributor
clocktick
Posts: 1,604
Registered: ‎12-07-2008
0

Re: you've gotta love the backdoor numbers!

Nice move!  Were the medical bills on there before or after you got your BOA card?  How old are they?
11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




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Established Contributor
Itsmeagain
Posts: 832
Registered: ‎01-16-2008
0

Re: you've gotta love the backdoor numbers!

Always glad to read good news . . . congrats . . . :smileywink:

Starting Score: TU 737 EQ 721
Current Score: TU 741 EQ 741
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New Member
tjkelly1726
Posts: 10
Registered: ‎04-14-2009
0

Re: you've gotta love the backdoor numbers!

The medical bills were on my report 1/1/7 and I got the Bank Of America card in May of 2007 so I guess i'm just pretty lucky!  Again, she said they didnt really pay that much attention to medical bills, if it were credit card collections or something of that nature, thats when they would do something.
New Member
tjkelly1726
Posts: 10
Registered: ‎04-14-2009
0

Re: you've gotta love the backdoor numbers!

I have about 5,000 in debt and the income is around 2,000 a month, sometimes more, sometimes less.

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