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Frequent Contributor
Posts: 444
Registered: ‎12-05-2012
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BoA Baddies - still hurting me?

Are these baddies still hurting my score? I had a Boa CC opened in 2007 . I've paste dthe hisotry below that contains the multiple late payments that I had in 2008-2011. I closed the account in 2010 and went on payment plan with them. i had to renew every 3 months via phone-- one time (the 30day late in 2011) I forgot to call in and renew, but otherwise, I paid them off in full. No CA. .  I've heard that after 3 years major derrogs dont hurt that much, but still have a little sting. What do you think?  i guess I am just trying to find out if GWing them is worth it or should I just let them fall off ?

 

Account History:
150 days past due as of Feb 2010 to Jul 2010
120 days past due as of Jan 2010
90 days past due as of Dec 2009
60 days past due as of Nov 2009, Oct 2009
30 days past due as of May 2011, Sep 2009, Feb 2008
 
Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge
Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
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Re: BoA Baddies - still hurting me?


NewbieReed wrote:

Are these baddies still hurting my score? I had a Boa CC opened in 2007 . I've paste dthe hisotry below that contains the multiple late payments that I had in 2008-2011. I closed the account in 2010 and went on payment plan with them. i had to renew every 3 months via phone-- one time (the 30day late in 2011) I forgot to call in and renew, but otherwise, I paid them off in full. No CA. .  I've heard that after 3 years major derrogs dont hurt that much, but still have a little sting. What do you think?  i guess I am just trying to find out if GWing them is worth it or should I just let them fall off ?

 

Account History:
150 days past due as of Feb 2010 to Jul 2010
120 days past due as of Jan 2010
90 days past due as of Dec 2009
60 days past due as of Nov 2009, Oct 2009
30 days past due as of May 2011, Sep 2009, Feb 2008
 

You should absolutely try to GW the late payments, they are most certainly hurting.     BOA is pretty stingy with GW, but it's worth a shot if you want to try to improve your FICO score.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Frequent Contributor
Posts: 444
Registered: ‎12-05-2012
0

Re: BoA Baddies - still hurting me?

Thanks, Pizzadude.

 

Iive been GWing them -- e-mail, mail, calls to exec office since Dec 6 to no avail. but I have gotten a rresponse from the office of the pres saying that they wont do it. But it hasnt stopped my process lol. I just need to find one person to say yes!

 

I was just wondering if they were severely hurting my score or if the pain is fading with time....

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge
Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
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Re: BoA Baddies - still hurting me?


NewbieReed wrote:

Thanks, Pizzadude.

 

Iive been GWing them -- e-mail, mail, calls to exec office since Dec 6 to no avail. but I have gotten a rresponse from the office of the pres saying that they wont do it. But it hasnt stopped my process lol. I just need to find one person to say yes!

 

I was just wondering if they were severely hurting my score or if the pain is fading with time....


They're definitely hurting your score a lot.   Even if they are a few years old, major derogs like this will tank your FICO score.

 

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Moderator
Posts: 13,756
Registered: ‎04-15-2011
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Re: BoA Baddies - still hurting me?

The 30 and 60 day lates are minor derogs that fade quickly, the 90+ are majors that will affect for as long as they remain on your CR.



Starting Score: 504




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