https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Graduating-Securder-HD-Visa/m-p/4532903#M480063 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>Good morning!<BR /><BR />I have a $600 secured Harley Davidson Visa. I have had it for 2 years this month, and never missed a payment. I am considering requesting it be graduated so that I can get my security deposit back. I think I have read they look for a 680 score, and mine is right around there, depending on who they pull, it might be 2-10 points under. Does anyone know which CR they pull? Is there any specfic verbiage I should be using? I read somwhere before I applied that using the worng phrasing can lead them to cancling this card and giving me a new procuct, instead of protecting my ago of account from when I opened the secured card.</P><HR /></BLOCKQUOTE><P>US Bank told me about a year ago that this card does not graduate to unsecured, they close it and open a new account. Closing the account will not affect your AAoA - closed accounts are included in FICO calculations.</P> Thu, 07 Apr 2016 15:06:44 GMT Anonymous 2016-04-07T15:06:44Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Graduating-Securder-HD-Visa/m-p/4532895#M480061 <P>Good morning!<BR /><BR />I have a $600 secured Harley Davidson Visa. I have had it for 2 years this month, and never missed a payment. I am considering requesting it be graduated so that I can get my security deposit back. I think I have read they look for a 680 score, and mine is right around there, depending on who they pull, it might be 2-10 points under. Does anyone know which CR they pull? Is there any specfic verbiage I should be using? I read somwhere before I applied that using the worng phrasing can lead them to cancling this card and giving me a new procuct, instead of protecting my ago of account from when I opened the secured card.</P> Thu, 07 Apr 2016 15:03:30 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Graduating-Securder-HD-Visa/m-p/4532895#M480061 Anonymous 2016-04-07T15:03:30Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Graduating-Securder-HD-Visa/m-p/4532903#M480063 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>Good morning!<BR /><BR />I have a $600 secured Harley Davidson Visa. I have had it for 2 years this month, and never missed a payment. I am considering requesting it be graduated so that I can get my security deposit back. I think I have read they look for a 680 score, and mine is right around there, depending on who they pull, it might be 2-10 points under. Does anyone know which CR they pull? Is there any specfic verbiage I should be using? I read somwhere before I applied that using the worng phrasing can lead them to cancling this card and giving me a new procuct, instead of protecting my ago of account from when I opened the secured card.</P><HR /></BLOCKQUOTE><P>US Bank told me about a year ago that this card does not graduate to unsecured, they close it and open a new account. Closing the account will not affect your AAoA - closed accounts are included in FICO calculations.</P> Thu, 07 Apr 2016 15:06:44 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Graduating-Securder-HD-Visa/m-p/4532903#M480063 Anonymous 2016-04-07T15:06:44Z