BofA Secured Early Graduation!!! ya baby!!!

[CREDITSURFER]

con grats cant wait for my day

[linux007969]

Today I got an alert from Discover ID Protection  and i log in and find out Bank of America did in fact so a hard pull for my increase, they pulled Transunion so far. That may be why they could only increase my limit to $700 due to excessive inquaries on my transunion (25, some will fall off by end of this year) but at any rate i am ok with the hp cuz i got an increase and i did get my annual fee removed cuz when i log into my account and click on my cash rewards card and go to the information center thing it says my annual fee is $0.00 so i am happy.

I've come along way with my credit in a years time. My longest account is 1 year 3 months and my AOAA is 8 months at any rate i came a long way with my credit in short amount of time thanks to everyone here at myfico! Thanks!

[vish1]

Wow, I did not know BofA has started unsecuring in less than a year. Anyway I had a secured card in 2010 and at that time there were NO rewards on BofA secured.

Things do change, sometimes for good like this.

I think you can get a good CL with BofA after a few months. When I got my card unsecured in Feb 2011, they bumped me from $500 secured to $7,500 unsecured without having to ask for it. Then again to 10k when I asked for it.

25 INQs on TU? I have never heard that ever. I have heard high numbers for EQ/EX but not TU. What state are you in? Have you been apping for every possible credit card you can find?

[linux007969]

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@vish1 wrote:

Wow, I did not know BofA has started unsecuring in less than a year. Anyway I had a secured card in 2010 and at that time there were NO rewards on BofA secured.

Things do change, sometimes for good like this.

I think you can get a good CL with BofA after a few months. When I got my card unsecured in Feb 2011, they bumped me from $500 secured to $7,500 unsecured without having to ask for it. Then again to 10k when I asked for it.

25 INQs on TU? I have never heard that ever. I have heard high numbers for EQ/EX but not TU. What state are you in? Have you been apping for every possible credit card you can find?

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I'm in PA. Most of my inquaries are well over a year and will fall off soon, then another chunk is going on a year old. Then theres about 6 recent ones in the last 6 months counting the one this week from bofa.

All but one inquary will be off my reports by April 2015 as long as theres no more apping and otherwise hps.

[dddewdrop]

Congrats. BTW what was your credit score range when you got your second BofA card (the balance reward one)?