Hi all,
I don't know what came over me--some sort of delusional/self-sabotaging fog--but in doing some pre-qual apps for ccs (I was trying to do all soft pulls), I ended up putting in a real application at BofA and getting an hp. And then the app was denied! Customized Cash.
The backstory is I just paid off the last of some old COs. I feel pretty good about it. I am eager to get 2 "grown-up" credit cards and garden for a few years in order to get ready for a mortgage in 2025/26.
Since I was denied and they gave me the list of reasons why they did that, it looks like at least some of the paid COs are not reporting as paid.
Yes, I should have pulled my reports first and made sure the COs were accurate before messing around with anything. Yes, I should have paid more attention to the BofA app. After doing the soft pull pre-qual, I thought that I was approved for Customized Cash. (Nope)
In other words, I just wasted an hp on BofA. I don't know what to do, other than complain about my stupidity here. Thank you for listening.
@LRC wrote:Hi all,
I don't know what came over me--some sort of delusional/self-sabotaging fog--but in doing some pre-qual apps for ccs (I was trying to do all soft pulls), I ended up putting in a real application at BofA and getting an hp. And then the app was denied! Customized Cash.
The backstory is I just paid off the last of some old COs. I feel pretty good about it. I am eager to get 2 "grown-up" credit cards and garden for a few years in order to get ready for a mortgage in 2025/26.
Since I was denied and they gave me the list of reasons why they did that, it looks like at least some of the paid COs are not reporting as paid.
Yes, I should have pulled my reports first and made sure the COs were accurate before messing around with anything. Yes, I should have paid more attention to the BofA app. After doing the soft pull pre-qual, I thought that I was approved for Customized Cash. (Nope)
In other words, I just wasted an hp on BofA. I don't know what to do, other than complain about my stupidity here. Thank you for listening.
My experience with BofA is similar to yours; after my Chapter 13 discharge (I made sure it all of my credit reports were up to date and showing said discharge), I applied to my (then) bank, yup, you guessed it, BofA; they denied me because "I was either in a bankruptcy or about to file one". I appealed, even sending them my discharge order, and they denied me again, and like you, I got a Hard Pull for my efforts; needless to say, BofA is no longer my bank.
Ugh--that is so frustrating. But your story makes me feel less alone, thank you
That is some really solid info about the APR% check--thank you!
Sorry for your denial. But I wouldn't beat myself up over it. Nothing ventured, nothing gained.
True!
