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B of a secured denied! Backdopr number approved!

New Member

B of a secured denied! Backdopr number approved!

So I just turned 30 and haven't had a credit card in 10 years. I recently was denied when my own bank(b of a) pulled a credit report and it showed 11 accts with a 579 score. I disputed and it went down to 2 accts. called b of a sent a copy of my new report still no bueno. Called backdopr number that I got from this site and was instantly approved. Can't wait to see my scores rise. Got me so excited I applied today for a cap1 secured also. So going to pray that gets approved also. I have been looking at this site for months and wish I could have gotten this knowledge at a younger age. I appreciate any comments and post people put here. Without this forum I would still be sol. Ty myfico and to all of you reading. Will update when I get a cap 1 decision.
Message 1 of 10
9 REPLIES
Moderator Emeritus

Re: B of a secured denied! Backdopr number approved!

Congrats on the BOA and good luck on the Cap1.  Yes, you will need positive TLs to get a healthy CR and see that score rise!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 10
Valued Member

Re: B of a secured denied! Backdopr number approved!

That is great news.  Would you mind sending the backdoor number you have?  I recently had a similar situation happen to myself.  Thank you.

Starting Scores 11/12: EQ 540 TU? EX?
Current Scores
04/18 myfico EQ FICO 662
01/19 myfico TU FICO 593
01/13 lender pull EX FICO 522
Next Goal Mid score 675
Message 3 of 10
New Member

Re: B of a secured denied! Backdopr number approved!

Ones you the number I used. And I'm new here so what are tl's
Message 4 of 10
Highlighted
Moderator Emeritus

Re: B of a secured denied! Backdopr number approved!

Welcome to the forums!

I'd suggest reading the following:

Common Abbreviations
What Steps do I take, DV, PFD or GW
Credit Scoring 101


TLs means Trade Lines.  Smiley Happy

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 5 of 10
New Member

Re: B of a secured denied! Backdopr number approved!

So in the short time since b of a started reporting. Feb 7th. My scores have shot up 100 PTs across the board. Transunion biggest jump. 579 to 698. Had 11 collection accts. disputed went down to 2. Capital one was approved also. So expect to see another jump once that actually starts reporting. Exciting. This is too addicting
Message 6 of 10
Moderator Emeritus

Re: B of a secured denied! Backdopr number approved!

Excellent work!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 7 of 10
Regular Contributor

Re: B of a secured denied! Backdopr number approved!

Good job! They reported pretty quick!
USAA Mastercard-$2000 USAA Visa-$2000 USAA SC-$600 NFCU-$12500 Walmart-$3500 BestBuy $1000 Navcheck 3000



Message 8 of 10
Frequent Contributor

Re: B of a secured denied! Backdopr number approved!

Congrats! I'm waiting for my BofA to come in the mail anyday now! I can't wait until CAP1, US Bank & BofA report!!!!!

Started from the bottom, now I'm here: 4/20/15: EX-674 TU 704 EQ-677
TU-Clean...EQ & EX-1 Paid Collections & 1 Judgement
T minus 4 months until Operation EE!!
Goal: 750 Across the board! AMEX Approved! Living in the Garden
Message 9 of 10
Regular Contributor

Re: B of a secured denied! Backdopr number approved!

Awesome!!


Starting Score: 433
Current Score: 700
Goal Score: 750


Take the FICO Fitness Challenge
Message 10 of 10