https://ficoforums.myfico.com/t5/Credit-Cards/BOA-and-Discover-Question/m-p/111293#M28877 <DIV>I am trying to rebuild my credit - at 588(ex) right now.&nbsp; I now have 2 cards in good standing Tribute (550cl) and a new Cap. one (500cl) in today's mail I received applications for BOA and Discover - now tell me what do you think my chances are in receiving their Credit cards - I am thinking none at all.</DIV> Sat, 08 Dec 2007 00:06:29 GMT Anonymous 2007-12-08T00:06:29Z https://ficoforums.myfico.com/t5/Credit-Cards/BOA-and-Discover-Question/m-p/111293#M28877 <DIV>I am trying to rebuild my credit - at 588(ex) right now.&nbsp; I now have 2 cards in good standing Tribute (550cl) and a new Cap. one (500cl) in today's mail I received applications for BOA and Discover - now tell me what do you think my chances are in receiving their Credit cards - I am thinking none at all.</DIV> Sat, 08 Dec 2007 00:06:29 GMT https://ficoforums.myfico.com/t5/Credit-Cards/BOA-and-Discover-Question/m-p/111293#M28877 Anonymous 2007-12-08T00:06:29Z https://ficoforums.myfico.com/t5/Credit-Cards/BOA-and-Discover-Question/m-p/111304#M28885 <DIV>sorry, but your assumptions are correct if those are true fico scores.</DIV> Sat, 08 Dec 2007 00:30:33 GMT https://ficoforums.myfico.com/t5/Credit-Cards/BOA-and-Discover-Question/m-p/111304#M28885 Anonymous 2007-12-08T00:30:33Z https://ficoforums.myfico.com/t5/Credit-Cards/BOA-and-Discover-Question/m-p/111305#M28886 Not Discover, anyway. Have you been to the BofA website to play with their pre-approval? It didn't even show as a soft on my reports, at least not yet. If you could get their secured card, it would be a nice start with a for-real bank that will let you upgrade your card after X amount of time.<BR /><BR />http://www.bankofamerica.com/creditcards/<BR /><BR />Look about mid-way down, where it says "You may be preapproved for one of our credit cards." At first I got offers for the partially secured card, and now it's giving me offers for regular ones, although still low CL's. So don't be disappointed if you don't get an offer at first --it's sort of a nice indicator of how you're doing.<BR /><BR />BTW, it won't work if you pre-opted out, but I assume that with stuff coming in the mail, you haven't. Sat, 08 Dec 2007 00:31:27 GMT https://ficoforums.myfico.com/t5/Credit-Cards/BOA-and-Discover-Question/m-p/111305#M28886 haulingthescoreup 2007-12-08T00:31:27Z https://ficoforums.myfico.com/t5/Credit-Cards/BOA-and-Discover-Question/m-p/111310#M28891 <DIV>Thank you to all that reply and I guess&nbsp;I should leave well enough along (something my southern mother use to day).</DIV><DIV>&nbsp;</DIV><DIV>Happy Holidays</DIV> Sat, 08 Dec 2007 00:47:37 GMT https://ficoforums.myfico.com/t5/Credit-Cards/BOA-and-Discover-Question/m-p/111310#M28891 Anonymous 2007-12-08T00:47:37Z https://ficoforums.myfico.com/t5/Credit-Cards/BOA-and-Discover-Question/m-p/111313#M28894 Work on cleaning up what you've got and letting it grow. You'll be surprised how quickly things can start to change! (Easy to say, I know...) Sat, 08 Dec 2007 00:50:12 GMT https://ficoforums.myfico.com/t5/Credit-Cards/BOA-and-Discover-Question/m-p/111313#M28894 haulingthescoreup 2007-12-08T00:50:12Z https://ficoforums.myfico.com/t5/Credit-Cards/BOA-and-Discover-Question/m-p/111334#M28909 <DIV>Depends on what type of Discover it is.&nbsp; Was itthe platinum rewards Discover by HSBC?&nbsp; Also depends on if those are FAKO or FICOS</DIV> Sat, 08 Dec 2007 01:31:26 GMT https://ficoforums.myfico.com/t5/Credit-Cards/BOA-and-Discover-Question/m-p/111334#M28909 Anonymous 2007-12-08T01:31:26Z