https://ficoforums.myfico.com/t5/Credit-Cards/BoA-Forgiveness/m-p/465812#M152760 <P>I had a CO with BoA, then settled with CA in January 08.</P><P>I'd like to try again with a major card...already have a&nbsp;DISC CO&nbsp;that I am paying on.</P><P>My EQ now is 646, it was around 500 until November of last year when I focused on fixing my credit. Since then, I have improved my util (currently under 10%), and had two collections removed (3rd removal was agreed to and should be done soon). I have 4 med collections that I am HIPAAing and all show as disputed on CR.</P><P>Anyway, do you think BoA will ever forgive me and give me another shot (even with the secured card), or should I go for a credit union card?</P><P>&nbsp;</P><P>Thanks!</P> Tue, 24 Mar 2009 15:15:24 GMT Journey 2009-03-24T15:15:24Z https://ficoforums.myfico.com/t5/Credit-Cards/BoA-Forgiveness/m-p/465812#M152760 <P>I had a CO with BoA, then settled with CA in January 08.</P><P>I'd like to try again with a major card...already have a&nbsp;DISC CO&nbsp;that I am paying on.</P><P>My EQ now is 646, it was around 500 until November of last year when I focused on fixing my credit. Since then, I have improved my util (currently under 10%), and had two collections removed (3rd removal was agreed to and should be done soon). I have 4 med collections that I am HIPAAing and all show as disputed on CR.</P><P>Anyway, do you think BoA will ever forgive me and give me another shot (even with the secured card), or should I go for a credit union card?</P><P>&nbsp;</P><P>Thanks!</P> Tue, 24 Mar 2009 15:15:24 GMT https://ficoforums.myfico.com/t5/Credit-Cards/BoA-Forgiveness/m-p/465812#M152760 Journey 2009-03-24T15:15:24Z https://ficoforums.myfico.com/t5/Credit-Cards/BoA-Forgiveness/m-p/465834#M152768 <P>Settlement is only year old. I am not sure if they consider your request. It does not hurt to ask. Good Luck.</P> Tue, 24 Mar 2009 15:39:52 GMT https://ficoforums.myfico.com/t5/Credit-Cards/BoA-Forgiveness/m-p/465834#M152768 Red1Blue 2009-03-24T15:39:52Z