So my DF and I were looking into our credit reports because we are trying to prepare for buying a house some time next year. My scores have improved dramatically over the last year. To date my scores are Eq:611, Exp: 629, and transunion:630. These are up from low 500's. Anyway I have a ton of medical collections from when I was in college and stupid. Last month I was approved(miraculously) for a BOA card that has a 0% BT option for 18 months. The collections all together come to $3756 but my limit is only $500. I have already transferred a balance and have been paying it down. I have contacted the collection agency and they are willing to do a PFD but as long as I pay off all the collections. They are all with one creditor. So I should see a score increase after they are al removed as well as a chargeoff scheduled to fall off in january 2017.. I have heard that BOA gives huge limits and constantly offers BT options. My question is how long does it take for the CLI button to pop up considering i just opened my account? I'm not intereste din opening any new accounts and would like to let my new accounts age.
