BofA Backdoor Number For Recon

[Anonymous]

I recently applied for BofA and they send me a pre-approval for a secured card.  It states that they could not approve me because of bankruptcy.  I DON'T HAVE A BANKRUPTCY.

Does anyone have a BACKDOOR NUMBER for a RECON?

[Anonymous]

There should be several number's in the backdoor thread for Credit Analysts at BoA. They can go over your report with you and address this reason for denial.

[Scamp]

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@Anonymous wrote:

I recently applied for BofA and they send me a pre-approval for a secured card.  It states that they could not approve me because of bankruptcy.  I DON'T HAVE A BANKRUPTCY.

Does anyone have a BACKDOOR NUMBER for a RECON?

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http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&thread.id=65717&page=17

[Anonymous]

Did you pull your credit reports ?

Its possible its a mistake in name or address.

Let us know

[wmarat]

From Sylvia's thread

BoA: 800-732-9194 (dept. unknown)
BoA: 866-865-7842; 866-506-5067 (Credit Dept. Analysts/Recon)
BoA: 302-741-1825 (Recon)
BoA: 800-421-2110 (for cli ? )

I think you should be able to resolve it with front line CS rep.

[Anonymous]

I had already searched on here before I asked.  A lot of those numbers for BofA listed under the BACKDOOR "do not" work any longer.  They are "non working credit numbers".  That is why I asked again.  So far I have had no luck getting to a CREDIT ANALYST yet.

To answer about the credit report, yes.  Do I have a bankruptcy?  No.  Do I have a BofA account that was included in a bankruptcy?  No.  That's why I am trying to get to a credit analyst for a recon before I take a secured card.  Those are the only two reasons that it lists.  If they don't exist (with blessings), I should get approved.

[Anonymous]

BoA may also use Innovis in addition to one of the other 3 CRA's. Did you have a prior BK that may have fallen off of TU, EX and EQ that would still be listed on your Innovis report? If so, you may want to get your innovis report and be sure it is reporting accurately.

https://www.innovis.com/InnovisWeb/index.html

[Anonymous]

I would just write a reply to the rejection letter.

It seems pretty clear they made a decision a bad info

[jmbfl]

All incorrect information and all decisions based on false information must be challenged immediately. Do not wait for the letter - call today. Find out which CBR they used for their information, pull a report for yourself via any means possible and be prepared to fax them a copy. Get on the phone today!

I seriously doubt BofA uses Innovus. Innovus are serious wannabes. If you find out that they did use Innovus please let us know.

[Anonymous]

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jmbfl wrote:

I seriously doubt BofA uses Innovus. Innovus are serious wannabes. If you find out that they did use Innovus please let us know.

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Hopefully OP will come back to update. BoA does sometimes use a third party and it has been posted here by other member's for a reason of denial. Innovis was the agency given in some of those instances.

Bank of America is listed as a creditor on my Innovis report, FWIW.