HELLO IM HAPPY BECAUSE TODAY I CALLED B OF A SECURED DEPARTMENT TO CHECK ON THE STATUS ON THE APPLICATION THAT I APPLIED ON 10/20/2009 AND TO MY SURPRISE I WAS TOLD THAT I WAS APPROVED AND THEY ALREADY DEDUCTED MY 500.00 FROM MY SAVINGS SO IM EXCITED CAUSE I THOUGHT I WAS GOING TO GET DENIED SINCE IM BEVERLY REBUILDING MY CREDIT. I DO HAVE 1 CHARGE OFF SINCE 2003 AND ONE 120 DAY LATE PAYMENT ON MY STUDENT LOAN. ALSO MY SCORES ARE AROUND 636 TO 641 ON ALL THREE BUREAUS. SO TO ANYONE OUT THERE DONT GIVE UP THERE IS STILL HOPE THEY ALSO TOLD THEY WILL GRADUATE BETWEEN 9 TO 12 MONTHS.