@tonyjones wrote:
@Anonymous wrote:
@tonyjones wrote:How did you manage to get approved for all those cards in your siggy with those scores?
please teach me.
Have an attractive profile. No recent derogs.
Fair enough, how many derogs do you have and how old are they?
The two CO's on EX are falling off in the next 1-4 months. Auto loan with some lates is due to fall off in 6 months.
@Anonymous wrote:
@tonyjones wrote:
@Anonymous wrote:
@tonyjones wrote:How did you manage to get approved for all those cards in your siggy with those scores?
Have an attractive profile. No recent derogs.
Fair enough, how many derogs do you have and how old are they?
The two CO's on EX are falling off in the next 1-4 months. Auto loan with some lates is due to fall off in 6 months.
oh nice, your scores should be in high 700's when all fall off!
Dude, I'm serious. Get a BofA Secured Credit Card. You have that EX HP hanging out there now, get a freaking secured credit card.
Otherwise it really IS a waste of a HP, especially if you really want to get back with BofA.
@NRB525 wrote:Dude, I'm serious. Get a BofA Secured Credit Card. You have that EX HP hanging out there now, get a freaking secured credit card.
Otherwise it really IS a waste of a HP, especially if you really want to get back with BofA.
Who do I need to call to utilize the HP for that? Is that even possible?
Seriously. I'd drop the $1,000 into one right now just to get back in with them.
Who was that Top Dog you just talked with? Ask one of the CRA or EO folks, like the one who said "more history".
Ok, so FIA is not really BofA then? Is that how it works?
Do you have a checking account with BofA proper?
I used to have WF as my only checking account. Then added USBank, and Chase, with their little bonus offers, still use the accounts and they are good for cordoning spend / card balance payments. Added BECU, which I now consider my main checking, Golden1 CU, to give them some funds in / funds out history, and KeyBank for the promised $250 bonus. (will be closing that stupid Key Bank account as soon as the $250 posts because their fees are outrageous). WF still putts along with some necessary funds.
BofA checking might be a way in?
@Anonymous wrote:
@tonyjones wrote:How did you manage to get approved for all those cards in your siggy with those scores?
Have an attractive profile. No recent derogs.
So do I... last derog April 1st, 2009 when filed BK13.
Even after 6 years they still throw it in my face. It won't be long though and early exclusion will have me giving them all the finger... counting down the months till TU (Oct 1st) and EQ/EX (Jan 1st)... 
