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!
That is great news. Would you mind sending the backdoor number you have? I recently had a similar situation happen to myself. Thank you.
Congrats! I'm waiting for my BofA to come in the mail anyday now! I can't wait until CAP1, US Bank & BofA report!!!!!