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BOFA ......... Slow But Sure

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Anonymous
Not applicable

BOFA ......... Slow But Sure

BOFA approved Komen card for $19,000.  

 

Some info about my experience with BOFA.  I have been a checking account customer for twenty years. I never have much in the account since I retired. My payroll check used to be direct deposited some years ago but not much goes in there now.  I had horrible credit with scores of 3 to 400 hundred for many years. About October of 2018 I decided to get my head out of the sand and clean up my act.  I applied for a secure BOFA card with the 99/500 offer and was approved.  About six months later I applied for the Komen card and was denied.  I then asked for a credit increase and the unsecuring of the 1-2-3 card.  They unsecured the card and increased the limit to $1000 where it has been ever since. My scores were around the mid 600's across the bureaus when I started applying for credit cards.  BOFA was the second of three cards that I got after I started my clean up. PFCU for $1000 and Discover secured for $200. 

 

Fast forward to now. I applied again for the Komen card yesterday.  It went to review.  About two hours later I checked the app status and it showed approved.  I also put the request for a balance transfer in when I applied for about $3500.  I was hoping they didn't give me a SL limit that would be close to the transfer amount. No limit was shown so I waited until this morning and checked my accounts online and the card showed up online with a $19,000 SL.  I was floored.  They pulled Experian.

 

My profile now after about 16 months of cleaning up and rebuilding is:

 

EX 767

TU 772

EQ 748

No baddies. I cleaned them up.

 

I currently have:

 

US Bank $9000

NFCU Platinum $10,000

NFCU Flagship $25,000

Amazon $10,000

Belk MC $6000

USAA $6000

Amex ED $2000

USAA $500

Citi Double Cash $500

Discover $1500

 

Not to shabby for 17 months. I don't post much but I lurk around a lot. I have to be careful because reading all the good approvals makes me want to apply for something and I certainly don't need to do that but I do enjoy the success of other posters.

 

 

 

 

 

 

Message 1 of 12
11 REPLIES 11
AllZero
Mega Contributor

Re: BOFA ......... Slow But Sure

Congratulations on your approval!
Message 2 of 12
Meanmchine
Super Contributor

Re: BOFA ......... Slow But Sure

Congrats

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>7/2025 All 3 reports 830 - 845(F8) F9s = all 850 but my app finger is still twitching
Message 3 of 12
Mr_Mojo_Risin
Senior Contributor

Re: BOFA ......... Slow But Sure

Congrats!!! That's quite a haul you got there!!! 🤟

NFCU More Rewards 28K CL
NFCU Cash Rewards 16K CL
Citi Custom Cash 7.5K CL
AODFCU Visa Sig 5K CL
Discover IT 2.5K CL
Capital One QS 3600 CL
Message 4 of 12
M_Smart007
Legendary Contributor

Re: BOFA ......... Slow But Sure

Congrats!

Message 5 of 12
EverForward
Established Contributor

Re: BOFA ......... Slow But Sure

That's great progress, Congratulations!  Seems I have seen lots of good feedback about BofA lately.

Message 6 of 12
Anonymous
Not applicable

Re: BOFA ......... Slow But Sure


@Anonymous wrote:

BOFA approved Komen card for $19,000.  


Great job on the rebuild. Wow! Smiley Wink Congrats! on a fabulous SL. Smiley Happy You shook the heck out of that BoA tree Smiley LOL

Thanks for the terrific DPs. 

Message 7 of 12
newfossil
Valued Contributor

Re: BOFA ......... Slow But Sure

Congratulations!




Starting score - May 2018

April 2021

AAoA - 1 year 6 months
Message 8 of 12
CreditobsessedinFL
Established Contributor

Re: BOFA ......... Slow But Sure

Wow! Amazing rebuild, congratulations on the BofA SL success!

Message 9 of 12
19eighty5
Senior Contributor

Re: BOFA ......... Slow But Sure

Congratulations!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:


Message 10 of 12
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