Some DPs :
DP's in my siggy are current. Aggregate UTIL @ 1% AZEO
BoA closed all my accounts ( 3 credit cards and a Personal Loan) back in 2009. They CO'd and placed them all in collections! Hence, I was forced to IIB them in my BK7 dc in 01/2011. The amounts I owed them was significantly huge and to be quite honest, really embarassing!
I got back in with them in 2015 via their 99/500 card with FICO8 in the 650s which unsecured in 6 months. In 2016, asked for CLI but was turned down but approved for a new card Cash Rewards with SL of $2k EX8 @709. Combined the two cards for a $2.5K Cash Rewards card. In 02/2017 asked for a CLI again but turned down again even with recon to their Senior UW and TU8 @698. Fast Forward a year later (today), Hit the luv button and asked for $12.5K but was countered with only $6.5K!
I'll take it all day long if that would mean I'm off their naughty list? Watcha think my fellow FICOlanders?
P.S. : CK alerted me with a TU hp as soon as the BoA approval screen came on! Impressive!!
Good times, good times! I stiffed Citi Bank for better than $100k back in 2009.
Watching the little spinning wheel. I had this look on my face after realizing they approved me for my first CC with them a couple of years ago. lol
Congrats JR Looks like the Warden left to use the bathroom. Well done and deserved. Enjoy it. GMOOD1 STAMP OF APPROVAL, NOICE
Thanks AJC! Yes Gmood1’s stamp of approval indeed! Oh and I was just told the BoA warden’s out for a while to watch the Superbowl so now will be a good time for a jailbreak and into the unGuarded BoA app land!
Wow, very nice! Congrats on being ‘out of the dog house’. I am in almost the same situation but too chicken to apply for an increase. I am hoping for a SP increase, but will wait till some inquiries drop off and a few accounts age more before I sacrifice a HP.
Nice.. Congrats. That's the way to clear thru the maze.