BoA Application Declined, Recon advice?

[astrangerwcandy]

Question for you all with much more experience than me. I applied for the MLB Extra Bases BoA card and got declined. I called for recon and was advised I had a collection on my Experian report for $2000 from Comcast. This was the only report I didn't have a really recent report from so of course this is the only one they reported this to.This is identity theft and I am working on getting it removed via police reports/Comcast etc...

My question is, is it likely I can talk my way through another recon if I advise them the collection is identity theft and I can provide a police report etc...? Getting this removed from my report could take 30+ days and I'd rather not have to do another hard pull if I can avoid it. My Experian credit score even with the collection is 677. TU is 721 and EQ is 715.

[FinStar]

They more than likely want that collection item to be removed from your CRs.  BOA is a bit tough when it comes to negative items on CRs.  While anything is possible and stranger things have happened (given the unfortunate set of circumstances with your case); it's highly doubtful you can talk your way through an approval since a police report will not help. 

[astrangerwcandy]

Bummer, guess the card won't be going anywhere and I can try again in a few months.

[FinStar]

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@astrangerwcandy wrote:

Bummer, guess the card won't be going anywhere and I can try again in a few months.

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If you have already incurred the HP, it's worth a try to see what they say.  Just explain your situation.  You may get a sympathetic ear so anything is possible.  Don't give up.  What I previously mentioned was based on other folks' anecdotes that didn't have much success given negative item(s) on CRs.  However, every profile is different.  Give it a shot.  If they say no, then you can try them again when that item has been removed from your CRs.

[astrangerwcandy]

I called again to try to talk them through. Not sure if this sounds right but they claimed it was no problem and that I could just call them back for a reconsideration any time in the next 90 days after the item gets removed. The part that seemed sketchy but I am ignorant on is that they said they get daily FICO score updates for applicants and they would be able to reevaluate my application after I get the neg TL removed without doing another hard pull.