BofA Declined

[UpNComing]

The CA said they like to see more "history".  I looked over my report and here is what I have, opinions?

American Honda/Gemb  XXXXXXXXXXXX 7/2005 $0 Paid or paying as agreed
 Washmtl/Prov  XXXXXXXXXX 4/2008 $3,917 Paid or paying as agreed
 Citi Cards Cbsdna  XXXXXXXXXXXX 4/2008 $1,480 Paid or paying as agreed
 Applied Bank  XXXXXXXXXXXX 2/2006 $729 Paid or paying as agreed
 American Express  XXXXXXXXXXXXXXXX 5/2008 $670 Paid or paying as agreed
 Merrick Bank  XXXXXXXXXXXX 7/2006 $426 Paid or paying as agreed
 Capital One Bank Usa Na  XXXXXXXXXXXX 9/2007 $228 Paid or paying as agreed
 First Premier Bank  XXXXXXXXXXXX 9/2004 $0 Paid or paying as agreed
 First Premier Bank  XXXXXXXXXXXX 1/2007 $0 Paid or paying as agreed
 Hsbc Bank  XXXXXXXXXXXX 4/2005 $0 Paid or paying as agreed
 Hsbc Bank  XXXXXXXXXXXX 3/2006 $0 Paid or paying as agreed
 Aurora Loan Services  XXXXXXXXX 1/2008 $315,832 Paid or paying as agreed
 Ford Motor Credit  XXXX 4/2007 $2,925 Paid or paying as agreed
 Ford Motor Credit  XXXX 4/2007 $0 Paid or paying as agreed
 American Honda Finance C  XXXXX 4/2008 $6,341 Paid or paying as agreed

That looks like history to me!  Up until the last few months I had an average history of 2.6.

Edited personal info.  Thanks ducky!

Message Edited by UpNComing on 06-18-2008 05:46 PM

Message Edited by UpNComing on 06-18-2008 05:55 PM

[Anonymous]

you may want to edit out the last few account numbers!!!!

[UpNComing]

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imducky wrote:

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UpNComing wrote:

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imducky wrote:

i would call back. even if they did pull again on ex or tu the depulication mechanism would negate a score impact.

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ducky I'm more worried about the impact with AmEx than my score.

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understandable, but if amex is looking then 1 less inquiry isn't likely to change thier mind. besides, boa has been way more generous to me than amex.

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Hence one of the major reasons I want them in my wallet.  I've heard nothing but good things.

[Anonymous]

in that case i'd call again for sure. maybe wait till the morning and get a rep that's fresh.

[UpNComing]

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imducky wrote:

in that case i'd call again for sure. maybe wait till the morning and get a rep that's fresh.

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I really dont think I'm wrong on the history.  I'm in the credit bus and I could work with that.

[Anonymous]

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UpNComing wrote:

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imducky wrote:

in that case i'd call again for sure. maybe wait till the morning and get a rep that's fresh.

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I really dont think I'm wrong on the history.  I'm in the credit bus and I could work with that.

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so much is open to the particular analyst (which is why recons actually even work), and the one you spoke with could be having a really bad day and nothing you could say would help.

i'd really be inclined to take the plunge.

[UpNComing]

Thats a great way to look at it.

[smallfry]

Average age of accounts is very low. You might have a fair amount but it is very recent.

[unknown_entity]

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UpNComing wrote:

Too many new accounts.  I called and talked to a CA, he says although I have no baddies the new cards I have (replaced rebuilders recently) kill my chances.

Is it worth writing a letter or calling again?  I hate to waist the inq.

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Keep calling, you'll eventually get someone to approve you.  I got approved after 3 recon denials the same day at B of A. 

[UpNComing]

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unknown_entity wrote:

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UpNComing wrote:

Too many new accounts.  I called and talked to a CA, he says although I have no baddies the new cards I have (replaced rebuilders recently) kill my chances.

Is it worth writing a letter or calling again?  I hate to waist the inq.

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Keep calling, you'll eventually get someone to approve you.  I got approved after 3 recon denials the same day at B of A. 

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Did they hard pull each time?