@Anonymous wrote:Thank you again, @AllZero...great info along with your comments in red regarding above post. Great guidance, I will go back to BofA next week to submit for secured.🤞
Good luck on your credit journey! I hope to read of your further success.
@M_Smart007 wrote:
Is this the @AllZero Master thread of info? . maybe it can be stickied to the top of the page
@M_Smart007. Putting all my macros to work. 😉
@Anonymous wrote:Well darn! I went ahead and took a few minutes to do the BofA secured card app online and was declined ☹️....I’m actually shocked and wasn’t expecting a decline, especially after speaking with the unsecured underwriters who gave me the feeling that I should be fine on the secured. I do want to say they did not promise anything, but just seemed without actually saying it, would not be a problem. Data Point - 2nd HP to EX. 🤦♀️👎☹️
That is quite unfortunate. I would recommend calling in if they are open. Perhaps, going in branch if that is an alternative.
Also, if you get to speak with csr, ask if the 2nd HP can be recoded as SP. They might not do it but it's worth asking.
I read the whole thing. You got me at the beginning, where you talked about your age and just now starting on your credit journey. I've been where you are but an older version.
I am still figuring things out, so can't give a lot of advice, but remember, it is a marathon, not a sprint. This I feel was the best piece of advice I've gotten so far, but the hardest to except. You only need 3 cards (and it does not matter if they are secured- they score the same) to get the most out of your score. It will take months, but it will happen as long as you use responsibly.
There is a ton of great information on this site, and the people here rock and are willing to give advice. Read. Read. Read.
Oh, and the hard pulls only last for 2 years, and for a large chunk of that you need to be just chilling anyway.
