topic Re: Newbie Question about BoA in Credit Cards

Newbie Question about BoA

GFer — Sat, 12 Apr 2008 00:58:42 GMT

What kind of scores are 'bare minimum' usually for this card?

Thanks in advance!

Re: Newbie Question about BoA

Anonymous — Sat, 12 Apr 2008 01:00:32 GMT

your ex is likely good enough, have you tried the pre-approval link on thier website?

Re: Newbie Question about BoA

GFer — Sat, 12 Apr 2008 01:02:23 GMT

Who do they pull from?

Re: Newbie Question about BoA

GFer — Sat, 12 Apr 2008 01:03:13 GMT

And no---I haven't

I'm a'skeered! LOL

Re: Newbie Question about BoA

Anonymous — Sat, 12 Apr 2008 01:03:41 GMT

Yup, I had a 656 EX when I was approved. They pulled TU (662) before giving me the final info. I was pre-approved online for 3k, but only ended up with 2k.

I took it.

Re: Newbie Question about BoA

Anonymous — Sat, 12 Apr 2008 01:04:17 GMT

ex and/or tu. really if you aren't opted out the pre-approval is very accurate about if you are in and the cl is usually higher than the the one that comes up on the pre-approval.

Re: Newbie Question about BoA

GFer — Sat, 12 Apr 2008 01:05:44 GMT

K....

I'll see what happens!

Re: Newbie Question about BoA

GFer — Sat, 12 Apr 2008 01:13:13 GMT

Nope!

Re: Newbie Question about BoA

Anonymous — Sat, 12 Apr 2008 01:15:26 GMT

GFer wrote:
Nope!

at least it didn't cost you a hard pull!

Re: Newbie Question about BoA

GFer — Sat, 12 Apr 2008 01:17:03 GMT

How's that???

Re: Newbie Question about BoA

Anonymous — Sat, 12 Apr 2008 01:18:31 GMT

GFer wrote:
How's that???

did you do the pre-approval or a cold app?

if it was the pre-approval link they only pull a soft. if it was a cold app then it was a hard, likely on ex.

Re: Newbie Question about BoA

GFer — Sat, 12 Apr 2008 01:22:00 GMT

oh...pre-apprv

Thank goodness!

Looking for something to build back up and to grow with me. Any suggestions?

Re: Newbie Question about BoA

Anonymous — Sat, 12 Apr 2008 01:24:49 GMT

what kind of baddies and how recent, if you want to share.

btw, the pre-approval will not work if you are opted out.

Re: Newbie Question about BoA

GFer — Sat, 12 Apr 2008 01:28:02 GMT

Sorry---I don't get what you mean 'if you are opted out'?

Civil Judgement just pd off in 2/08

4 late pymts over a year ago (extended period of unemployment)

and tax liens pd and released, but won't come off till 2010.

Sigh

Prolly---all of the above.

Re: Newbie Question about BoA

Anonymous — Sat, 12 Apr 2008 01:31:40 GMT

GFer wrote:
Sorry---I don't get what you mean 'if you are opted out'?

if you chose to not receive junk mail via the "opt out" program.

Civil Judgement just pd off in 2/08
4 late pymts over a year ago (extended period of unemployment)
and tax liens pd and released, but won't come off till 2010.

is any report cleaner than the others, or is everything on all 3?
i gotta tell ya, with those baddies a prime issuer will be tough.

do you have any cards now?

Sigh
Prolly---all of the above.

Re: Newbie Question about BoA

GFer — Sat, 12 Apr 2008 01:38:02 GMT

I honestly don't remember the opt out?!?

They offered secure card app. Closed it.

I just got an Orchard card. 300 limit..(yuck!)

But gotta start somewhere!

Re: Newbie Question about BoA

Anonymous — Sat, 12 Apr 2008 01:39:59 GMT

well boa secured is a very good product that will unsecure in 9-12 months and you keep all the account history! do a search, i can't recall anyone regreting going the boa secured route.

Re: Newbie Question about BoA

GFer — Sat, 12 Apr 2008 02:23:48 GMT

Well, I applied for Target and Crown Jewelers.

Done enough damage for now (at least w/Target and the Orchard).

Will wait till my new banking/savings is active with Wells Fargo and 'maybe' do a secure with them.

No more after that. Just basically trying to 'dilute the bad with good' as someone wrote on the forums here! LOL

I also have in good standing:

student loans

car payment

HSBC card

1 dept store card

Hopefully, in a 6-12 months I'll see more improvement in my scores!

(Sigh) Just so impatient!

Thanks for the suggestions and responses! The only reason my scores have jumped in the last few months are the suggestions on these boards!!