On a recent (and successful) application spree, I had app'd with Bank of America Worldpoints and Merrill credit cards (did not realize that Merrill was a BofA company).
DENIED! Due to a charge-off with Gateway Computer (MBNA account) back in 2000... This has long fallen off of my credit reports (DOL I believe was 1998).
My question is..... How long does B of A or any company for that matter, keep 'in-house' reports on our SS's and credit histories? Forever?
Also, is there a list of Bank of America companies somewhere? I would obviously like to avoid further denials.
Thanks!
