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Has BoA given me complete pardon?

JR_TX
Valued Contributor

Has BoA given me complete pardon?

 

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!  Smiley Sad

 

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!!

 

 

 

 

BoA.jpg



New cc TLs : 0/6 ; 2/12 ; 3/24
HPs EX 3 EQ 3 TU 1
AAoA 5y6m
UTIL 1% - 3%

$236K+ Total Limits











10 REPLIES 10
Gmood1
Community Leader
Super Contributor

Re: Has BoA given me complete pardon?

You are clearly off the naughty list. lol
Congrats!
Message 2 of 11
JR_TX
Valued Contributor

Re: Has BoA given me complete pardon?

Thanks Gmood! That was one nerve wracking 30 second experience waiting for that screen to refresh! Though I gotta tell you it was worth it!


New cc TLs : 0/6 ; 2/12 ; 3/24
HPs EX 3 EQ 3 TU 1
AAoA 5y6m
UTIL 1% - 3%

$236K+ Total Limits











Message 3 of 11
Gmood1
Community Leader
Super Contributor

Re: Has BoA given me complete pardon?

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

200w_d.gif

Message 4 of 11
AverageJoesCredit
Mega Contributor

Re: Has BoA given me complete pardon?

Congrats JRSmiley Happy Looks like the Warden left to use the bathroomSmiley Wink. Well done and deserved. Enjoy it. GMOOD1 STAMP OF APPROVAL, NOICESmiley Wink
Message 5 of 11
JR_TX
Valued Contributor

Re: Has BoA given me complete pardon?


wrote:
Congrats JRSmiley Happy Looks like the Warden left to use the bathroomSmiley Wink. Well done and deserved. Enjoy it. GMOOD1 STAMP OF APPROVAL, NOICESmiley Wink

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! Smiley Happy



New cc TLs : 0/6 ; 2/12 ; 3/24
HPs EX 3 EQ 3 TU 1
AAoA 5y6m
UTIL 1% - 3%

$236K+ Total Limits











Message 6 of 11
4theLoveofPoints
Valued Contributor

Re: Has BoA given me complete pardon?

Congrats!


Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 7 of 11
Spotsy
Regular Contributor

Re: Has BoA given me complete pardon?

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. 

 

 

TU:793 / EQ:771 / EX:793 as of 04/02/2020
Message 8 of 11
corpcrmgr
Valued Contributor

Re: Has BoA given me complete pardon?

Maybe there is hope!

Message 9 of 11
Scott2696
Established Contributor

Re: Has BoA given me complete pardon?

Nice.. Congrats.  That's the way to clear thru the maze. 

 

EQ 669, TU 679, EX 679. Navy Signature Go Rewards 15K, Navy Signature Cash Rewards 16K, Navy AX Rewards 14.4K, Navy CLOC 15K, Navy Mortgage 120K, Navy ATV Loan 14,990K, FLCU Auto 48.7K, FLCU Visa 7.5K, FLCU Visa 1K, AFCU 5K, AFCU Line of Credit 4K, John Deere 15K, Suncoast TB Rays Cash Rewards 6K, Cap1 QS 5K, USAA Rate Advantage 5K, USAA AX Card 9K, State Farm Rewards 2.5K, Paypal Credit 2.8K, Cabela's 2K, Chevron & Texaco Visa 6K, BMO Harris Bank 1.5K, BOA Bass Pro 1.5K, 5/3 Stand up to cancer 4.5K, 5/3 Truly Simple 4K, 5/3 Trio 4K, Amazon Store Card 5K, Lowes 17K, TBFCU 5K, BBT Spectrum 4.5K, BBT Bright 3.5K, BBT Bright 4.5K, Banco Do Brasil Americas 4.2K, Kays Jewerly 2K, AX Green Charge, AX Delta Gold 1K, Morgan Auto Group 1.6K, Kohls 700.
Message 10 of 11
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