topic Re: What will be my FICo score in General Credit Topics

Bank Of America

Anonymous — Sun, 24 Jun 2007 19:57:31 GMT

I signed up to see what I got pre-approved on-line. It pulled up 3 cards and I applied for one and said they would contact in 10 days...they also wanted a number to call. Is this good news? My EQ Fico is 648. Not sure on EX or TU. But I know it should be in same ballpark. I ask chat person what big 3 they pulled from and they said anyone of the big 3. I live in MS. Does anybody knows...? I was trying to get the ranges they are looking for.

Message Edited by SGT_F on 06-24-2007 12:57 PM

Re: Bank Of America

fused — Sun, 24 Jun 2007 20:33:54 GMT

BOA are big EQ pullers but you never know. I tried researching BOA pulls in MS and found nothing.

Re: Bank Of America

Anonymous — Sun, 24 Jun 2007 20:53:13 GMT

Thanks. I know my EQ is 648. IS that feasible w/ them? Not really looking for secured. Have one already. My score was 536 in Feb of this year.+112 increase. I am just so excited about this credit thing now.

Message Edited by SGT_F on 06-24-2007 01:53 PM

Re: Bank Of America

Anonymous — Sun, 24 Jun 2007 21:00:27 GMT

SGT_F wrote:
I signed up to see what I got pre-approved on-line. It pulled up 3 cards and I applied for one and said they would contact in 10 days...they also wanted a number to call. Is this good news? My EQ Fico is 648. Not sure on EX or TU. But I know it should be in same ballpark. I ask chat person what big 3 they pulled from and they said anyone of the big 3. I live in MS. Does anybody knows...? I was trying to get the ranges they are looking for.

Message Edited by SGT_F on 06-24-2007 12:57 PM

It has been my experience that it is a denial. I have had that to happen to me two or three times. Normally if you are applying on line, it tells u if you are approved in just a matter of seconds.

IMO, I think that instant approval is because they want to give you that credit asap (if you qualified). On the flip side, I think that the ten days is to give them enough time to get their ducks in a row before they send you out your denial slip to cover their tracks.

Re: Bank Of America

fused — Mon, 25 Jun 2007 03:38:52 GMT

SGT_F wrote:
Thanks. I know my EQ is 648. IS that feasible w/ them? Not really looking for secured. Have one already. My score was 536 in Feb of this year.+112 increase. I am just so excited about this credit thing now.

Message Edited by SGT_F on 06-24-2007 01:53 PM

Is an EQ 648 feasible with an unsecured BOA card? Probably not! Approvals are easier to come by with scores over 660. Are you certain they pulled EQ?

Message Edited by fused111 on 06-24-2007 05:38 PM

Re: Bank Of America

MercyMe — Sun, 24 Jun 2007 21:18:52 GMT

Sgt ... try not to worry. BOA was the first prime cc I acquired, and I think my scores were in the mid 620s back then. I live in the South ... Florida ... and initially they pulled Experian. Most recently though they pulled TU.

Sorry, got distracted. ) I am assuming you bank with them, and that while logging in to your account you saw the offer? Good luck, and keep us posted, okay?

Message Edited by MercyMe on 06-24-2007 02:18 PM

Re: Bank Of America

Anonymous — Sun, 24 Jun 2007 21:32:59 GMT

It's been mine also that is is denial...but this one was different because I signed up to see what I was pre-approved for...then 3 came up and I picked one...then it said someone would contact me for futher info. I never even filled out the application on-line. They said they would contact me in 10 days.

Message Edited by SGT_F on 06-24-2007 02:32 PM

Re: Bank Of America

Anonymous — Sun, 24 Jun 2007 21:20:42 GMT

SGT_F wrote:
It's been mine also that is is denial...but this one was different because I signed up to see what I was pre-approved for...then 3 came up and I picked one...then it said someone would contact me. I never even filled out the application on-line. They said they would contact me in 10 days.

In that case, it is different. That is a new one on me. I haven't heard of one that says they will contactact you over the phone within 10 days. Actually, it's sounds a little more promising. I'll keep my fingers crossed for you.

Usually says, you will receive a letter on our decision in 10 days.

Re: Bank Of America

fused — Sun, 24 Jun 2007 21:27:31 GMT

SGT_F wrote:
It's been mine also that is is denial...but this one was different because I signed up to see what I was pre-approved for...then 3 came up and I picked one...then it said someone would contact me. I never even filled out the application on-line. They said they would contact me in 10 days.

I just did the same thing right now at BOA's site. As long as you did not fill out an app for one of the cards they recommended, you did not (we did not) apply for any card. I believe we gave enough personal info for BOA to pull a soft inq and make a decision on what cards you might get approved for. Remember you did not apply for anything. Which three cards did they recommend? I did not see a message saying someone would contact me in ten days though.

Message Edited by fused111 on 06-24-2007 11:27 AM

Re: Bank Of America

Anonymous — Sun, 24 Jun 2007 21:35:21 GMT

BOA Rewards American Express Card BOA World Points Platinum Plus Mastercard BOA Cash Awards Platinum Plus Mastercard. It said that further info was needed but to give a number for them to contact. It then said I would hear from them in 10 days.

Message Edited by SGT_F on 06-24-2007 02:35 PM

Re: Bank Of America

Anonymous — Sun, 24 Jun 2007 21:33:03 GMT

fused111 wrote:

SGT_F wrote:
It's been mine also that is is denial...but this one was different because I signed up to see what I was pre-approved for...then 3 came up and I picked one...then it said someone would contact me. I never even filled out the application on-line. They said they would contact me in 10 days.

I just did the same thing right now at BOA's site. You did not (we did not) apply for any card. I believe we gave enough personal info for BOA to pull a soft inq and make a decision on what cards you might get approved for. Remember you did not apply for anything. Which three cards did they recommend? I did not see a message saying someone would contact me in ten days though.

Fuse from what you wrote, it sounds more like a scam thing.....it did sound kind of strange to me. So maybe you (sgt_f), made have taken it as a cc offer. I bet they will call with some like, we will give you a cc if......................, but only under these conditions. SGT_F, be very carful in what you agree to over the phone. As FUSE stated "Remember you did not apply for anything." So don't let it make a hard hit on you.

Re: Bank Of America

Anonymous — Sun, 24 Jun 2007 21:39:24 GMT

Ok. Anybody knows of any good CC that pulls from EQ in MS? I have seen the thread that shows who pulls from what...but they are not 100% accurate.

Message Edited by SGT_F on 06-24-2007 02:39 PM

Re: Bank Of America

fused — Sun, 24 Jun 2007 21:38:47 GMT

SGT_F wrote:
BOA Rewards American Express Card BOA World Points Platinum Plus Mastercard BOA Cash Awards Platinum Plus Mastercard. It said that further info was needed but to give a number for them to contact. It then said I would hear from them in 10 days.

Message Edited by SGT_F on 06-24-2007 02:35 PM

Curious, do you have anything negative on your CRs?

Re: Bank Of America

Anonymous — Sun, 24 Jun 2007 21:39:26 GMT

I'm told that CCCU is a big fan of EQ but I have not yet applied...

Re: Bank Of America

Anonymous — Sun, 24 Jun 2007 21:42:47 GMT

I have 120+ days late only..but it is 3yrs old. That's it. I can't dispute it either because I had a repo removed from same company...because I don't think they responded. Who is CCCC? A couple of charge-offs but everything pd except secured CC I opened up in May. Low UTL

Message Edited by SGT_F on 06-24-2007 02:42 PM

Re: Bank Of America

fused — Sun, 24 Jun 2007 21:41:46 GMT

cbjn1103 wrote:

fused111 wrote:

SGT_F wrote:
It's been mine also that is is denial...but this one was different because I signed up to see what I was pre-approved for...then 3 came up and I picked one...then it said someone would contact me. I never even filled out the application on-line. They said they would contact me in 10 days.

I just did the same thing right now at BOA's site. You did not (we did not) apply for any card. I believe we gave enough personal info for BOA to pull a soft inq and make a decision on what cards you might get approved for. Remember you did not apply for anything. Which three cards did they recommend? I did not see a message saying someone would contact me in ten days though.

Fuse from what you wrote, it sounds more like a scam thing.....it did sound kind of strange to me. So maybe you (sgt_f), made have taken it as a cc offer. I bet they will call with some like, we will give you a cc if......................, but only under these conditions. SGT_F, be very carful in what you agree to over the phone. As FUSE stated "Remember you did not apply for anything." So don't let it make a hard hit on you.

Their website clearly states it's not an app for credit. In fact their set-up is similar to crap1's.

Re: Bank Of America

fused — Sun, 24 Jun 2007 21:43:58 GMT

SGT_F wrote:
I have 120+ days late only..but it is 3yrs old. That's it. I can't dispute it either because I had a repo removed from same company...because I don't think they responded. Who is CCCC? A couple of charge-offs but everything pd except secured CC I opened up in May. Low UTL

Message Edited by SGT_F on 06-24-2007 02:42 PM

Try and GW the late. Do you have any cc's now?

Re: Bank Of America

Anonymous — Sun, 24 Jun 2007 21:45:18 GMT

Just the secured w/300 CL. Low 29% UTL. That's it. I was pre-approved for Orchard Bank.

Re: Bank Of America

Anonymous — Sun, 24 Jun 2007 21:46:00 GMT

SGT_F wrote:
Ok. Anybody knows of any good CC that pulls from EQ in MS? I have seen the thread that shows who pulls from what...but they are not 100% accurate.

Message Edited by SGT_F on 06-24-2007 02:39 PM

I am in Alabama. I know that HSBC, First USA, Chase-BML. Possibly, Aspire, Merrick Bank, and Applied. I may be wrong on Merrick Bank. I will check my records and let you know.

Re: Bank Of America

Anonymous — Sun, 24 Jun 2007 21:48:40 GMT