topic Sorry to hear in Credit Cards

BOA question....

Anonymous — Tue, 02 Dec 2008 23:10:51 GMT

I had received an offer from BOA for a rewards card and would love to have one of these cards. I recently opened 2 chase cards and I am relectant to apply without a good feeling that I could be approved. I have 1 collection account under EX only which has appeared just 6/08 even though it is two years old, otherwise my credit is good. I have many new accounts due to my student loans that hit every three months -2 accounts at a time that I think bring down my scores. I checked my FICO about 2 months ago (scores at the bottom of the post) and balances on the cards are reletively the same.

Does anyone think in this economic mess and my variety of scores...should Iapply or is it a waste of time?

TU 716,EX650,EQ605

My opinion

Anonymous — Wed, 03 Dec 2008 01:45:43 GMT

I would try and figure which credit bureau BofA is using in your neck of the woods. I am about to open a TransUnion Business Checking Account next week and the bank let me know they would be pulling TransUnion when I open the account.

I am located in Houston, Texas and I know for a fact BofA strictly has used Experian with me/family over the past year unless it was a pre-approval credit offer from the BofA teller. For my BankAmericard opened 10/07 they used Equifax and were listed under FIA Card Services.

Maybe the pre-approval came from TransUnion and in that case I doubt you would be denied with a 716. Good luck!!!

TheTaxMan

Re: My opinion

Anonymous — Wed, 03 Dec 2008 01:49:15 GMT

I just got a BoA CC and they pulled EX (I'm in Los Angeles)

Re: My opinion

Anonymous — Wed, 03 Dec 2008 01:56:43 GMT

I am in PA and I have no idea which credit company they pull. I did try the preapproval site and it told me that they did not have any offers for me at this time. however, on my approval offer it states to use the code at the bottom of the offer when I apply. Does that mean I have a better chance?

I cannot guarantee this is right

Anonymous — Wed, 03 Dec 2008 02:34:57 GMT

but check out this link...According to whogavemecredit it seems that it is a chance they pulled TransUnion on the pre-approval for you. It would make sense considering you are in PA and that is where TransUnion is located. I live in Texas and Bank of America uses Experian, however, on my pre-approved offer they used Equifax.

Bank of America Power Rewards PA 0 0 675 50000 No 05/04/07 Credit Card Yes 6000 21 had a few 30day derogs on since-closed credit cards from 2yrs prior; already had car loan w/ BoA, which I'd been making much larger-than-required payments on Bank of America Power Rewards PA 0 0 675 50000 No 05/04/07 Credit Card Yes 6000 21 had a few 30day derogs on since-closed credit cards from 2yrs prior; already had car loan w/ BoA, which I'd been making much larger-than-required payments on

http://www.whogavemecredit.com/index.php?page=search.php&srch=state

Good Luck and let me know how it turns out!!!

TheTaxMan

Re: I cannot guarantee this is right

Anonymous — Wed, 03 Dec 2008 02:59:16 GMT

well....I called and was turned down over the phone. I guess I will have to wait for 7-21 days to find out why they declined my application

I wasted a hard pull.....does anyone know if they will reconsider?

Re: I cannot guarantee this is right

laz98 — Wed, 03 Dec 2008 07:54:45 GMT

they couldn't tell you while you were on the phone why you were declined???

Sorry to hear

Anonymous — Wed, 03 Dec 2008 08:45:07 GMT

BoA: 866-865-7842; 866-506-5067 (Credit Dept. Analysts/Recon)
BoA: 302-741-1825 (Recon)

TheTaxMan

Re: Sorry to hear

Anonymous — Wed, 03 Dec 2008 13:53:43 GMT

The first 2 numbers were out of order, the third is an "unauthorized number to the department of transportation in delaware"!! LOL If I lived in delaware I might have needed that number

Re: Sorry to hear

Anonymous — Wed, 03 Dec 2008 19:44:34 GMT

They would not explain to me over the phone last night why I was turned down. Actually they rushed me off the phone when it came up declined. I did get through today to EDITED credit anylist/recon department at 866-598-4970 and they said they pulled Experian (figures huh? I had just one collection and they pull from the one I have a Sprint collection on) and that becasue I have a collection account they will not accept any applications at this time with any collection account or any unpaid bank loans on it becasue of the economic situation. I have now bumped my score down a bit for nothing and now I am depressed. Oh well...what else is new?

Edited to remove a personal name. Avoid posting that in the future.

Message Edited by llecs on 12-03-2008 02:44 PM