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Backdoor Numbers

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Frequent Contributor

Re: Backdoor Numbers

Discover retention department number is incorrect 

Message 321 of 334
Moderator

Re: Backdoor Numbers


@Hockeypnc1 wrote:

Discover retention department number is incorrect 


Thanks... updated. Smiley Happy

Message 322 of 334
New Member

Re: Backdoor Numbers

Called Bank of America today - Credit Reconsideration Line and immediately got through to someone.

 

  • 1-800-354-0401
Starting Score: 600
Current Score: 657
Goal Score: 720


Take the myFICO Fitness Challenge
Message 323 of 334
Regular Contributor

Re: Backdoor Numbers


@Baphometsangel wrote:

Called Bank of America today - Credit Reconsideration Line and immediately got through to someone.

 

  • 1-800-354-0401

What did you apply for? BofA's newest cash rewards card?

Credit Cards

Michigan Schools & Gov't Credit Union Classic Visa Card | $1kDiscover Student Cash Back | $1700Capital One Savor Card v1 | $11k AUAmex Blue Cash Everyday | 2k

Fico 8 Scores


Fico 9 Scores


Message 324 of 334

Re: Backdoor Numbers

Why does this never work for me? The agents literally chuckle at me when I mention reconsideration. The other thing is the SCT... that's a joke as well.

Message 325 of 334
Valued Contributor

Re: Backdoor Numbers

@phillynythecreditguy

What banks are you trying to reconsider

What does your profile look like? FICO scores? etc?






Family Member made me an AU on: 2008 Sears MC $2,001, 2016 SEARS Store Card $2,001, 2011 Synchrony Home $5,500 , 2003 FNBO Visa $9,900, 2008 Macys Amex $1900, 2008 Kohls $2,000, 2008 JC Penny $4,500, 2016 TJX Mastercard $1,500, 2019 SDFCU PowerCash Visa $10,000, 2018 AAdvantage Aviator MC $5,600, 2018 HSN $4,500, and 2016 Local Credit Union Visa $5,000. Waiting on them to all report over the next month... Only Kohls is reporting so far... WITH AGE. They use AZEO method.

Member of:
Andrews FCU (Share), PENFED CU (Checking/Share), SDFCU (Share), Alliant CU (Checking/Share), NASA FCU (Share), NWFCU (Checking/Share), Ally Bank (Checking/Savings), BofA (Checking/Share), Navigant CU (Share), Greenwood CU (Share), Elements Financial CU (Share), Ocean State CU (Share), SDFCU (Share), Wells Fargo (Checking), RI Credit Union (Share), CashApp, PayPal Premier (for free direct deposit access with cash card), Paypal Business - Grandfathered 1.5% Cash Back on Biz Debit), Apple Pay Cash, and Venmo.

I WANT to join: Hanscom FCU (For the 2 day early direct deposit).


Burned:
DCU, NFCU, Comenity, Synchrony, Barclays, Discover, Amex, Webbank (Avant), Santander, Citi (Shell), DSNB (Macys), TDRCS (Target+Nordstrom), Capital One (Personal & Business, Kohls, and GM), CreditFirst(Firestone)
Message 326 of 334

Re: Backdoor Numbers

Thanks for the reply:
TU- 670ish, 0 inq
EQ-630, 2 inq
EX- 666, 4 inq

AAoA is very low due to identity theft, Util a bit high (45% ), average 17 open accounts, 8 closed, No baddies/bk/collections/ derogatory, etc
Message 327 of 334

Re: Backdoor Numbers

Also, I'd like to have a presentation of my cards. How do you do that?
Message 328 of 334

Re: Backdoor Numbers

Banks I've attempted recon with a big fat goose egg as my success rate: BofA, Wells Fargo, Chase, Citi, AMEX, Commenity, Discover, Cap One, and US Bank
Message 329 of 334
Member

Re: Backdoor Numbers

BofA E/O: 704-386-5687 doesn't work anymore. Anyone know an alternate number?

Message 330 of 334