topic Re: BofA $99/500 in Rebuilding Your Credit

BofA $99/500

Anonymous — Wed, 11 Mar 2020 00:21:35 GMT

I've had this card for over 2 years now. My Credit has tanked in that span and I'm not back on the rebuild and this card has stayed with me. All my credit accounts are now $0. I have about $40k in student loans, auto loan and for collections totally about $17k. My current scores are TU 622, EQ 597, EX 612. Is it worth a try asking for a CLI on this card at this time or should I just leave it for a while. If so, what's a decent amount to ask for?

Re: BofA $99/500

AllZero — Wed, 11 Mar 2020 00:35:51 GMT

Have you asked for graduation to unsecured?

Re: BofA $99/500

Anonymous — Wed, 11 Mar 2020 00:32:22 GMT

I have not. Is that a better way to go?

Re: BofA $99/500

AllZero — Wed, 11 Mar 2020 00:33:09 GMT

Once unsecured, try $2500 and hope for a counter if not approved for full ask.

Re: BofA $99/500

AllZero — Wed, 11 Mar 2020 00:35:14 GMT

@Anonymous wrote:
I have not. Is that a better way to go?

Call them and ask. Your low scores may be a speed bump if not road block.

Good luck. Hope to read of your success.

Re: BofA $99/500

Anonymous — Wed, 11 Mar 2020 00:49:20 GMT

How old are your collections? May be a strong factor in graduating.

Re: BofA $99/500

Anonymous — Wed, 11 Mar 2020 00:58:54 GMT

All about 2 years.

Re: BofA $99/500

Anonymous — Thu, 12 Mar 2020 05:29:19 GMT

Requested manual graduation over the phone yesterday. Hopefully good news in the mail next week.

Re: BofA $99/500

AllZero — Thu, 12 Mar 2020 06:14:14 GMT

@Anonymous wrote:
Requested manual graduation over the phone yesterday. Hopefully good news in the mail next week.

And may the odds be ever in your favor!

Re: BofA $99/500

Anonymous — Wed, 18 Mar 2020 02:09:12 GMT

@AllZero wrote:
@Anonymous wrote:
Requested manual graduation over the phone yesterday. Hopefully good news in the mail next week.
And may the odds be ever in your favor!

Fail - cited collections!

Re: BofA $99/500

AllZero — Wed, 18 Mar 2020 02:14:20 GMT

@Anonymous wrote:
@AllZero wrote:
@Anonymous wrote:
Requested manual graduation over the phone yesterday. Hopefully good news in the mail next week.
And may the odds be ever in your favor!
Fail - cited collections!

That is unfortunate. Thank you for the update. Are you able to address the collections or wait for it to drop off in 7 years from DoFD?

Re: BofA $99/500

Anonymous — Wed, 18 Mar 2020 13:16:15 GMT

@AllZero wrote:
@Anonymous wrote:
@AllZero wrote:
@Anonymous wrote:
Requested manual graduation over the phone yesterday. Hopefully good news in the mail next week.
And may the odds be ever in your favor!
Fail - cited collections!
That is unfortunate. Thank you for the update. Are you able to address the collections or wait for it to drop off in 7 years from DoFD?

Taking care of them right now. Hopefully another month or two.