FYI RE BA 99/500 Unsecuring

[creditreformer]

I called backdoor # ending in 4696 b/c that’s the# most mentioned in their recent ba unsecured threads.  Had never seen mention of HARD inq w/BA for unsecuring, so was surprised.  rep said ALL unsecure requests MUST be hard pulls.  I did not have them pull (can’t spare any inqs now- need to buy car asap + don’t have fico points to spare), esp. when they said AUTO DENIAL if you have any CA from the past yr.  sounded like old cas (mine are from 03) count b/c they report monthly, so ba’s computers (per the rep- idk if he was clueless?) think they’re ‘new’.  Like I said, I will wait til the 10th stmt hits + hope they auto unsecure me.  If not, will call again.

Message Edited by creditreformer on 02-19-2009 11:57 AM

[Anonymous]

Did you have the same collection on the your report when you first applied for the secured card an was approved?

[creditreformer]

Yeah, the collection has come + gone from my reports, so I was surprised it reappeared (disputing it again).  It sounds like the rep could’ve been wrong from what people have said, so I am going to sit tight until the 10th stmt hits in a few wks + hope it just auto unsecures.  If not, will try another backdoor # and see what happens then.

Would’ve been nice to have it unsecure @ 9th stmt w/o a hard inq, but the rep said no way, no how- we have to pull a hard, so I declined.

[llecs]

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mjbfan79 wrote:

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@Red1Blue wrote:
When you ask for unsecure a secured card with BOA there will be always a hard inq. No escape from it.

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O really i thought i read threads here where people said there was just a soft pull?

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Mine unsecured without any pull, though I didn't request for it to be unsecured.

[Anonymous]

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@creditreformer wrote:

Yeah, the collection has come + gone from my reports, so I was surprised it reappeared (disputing it again).  It sounds like the rep could’ve been wrong from what people have said, so I am going to sit tight until the 10th stmt hits in a few wks + hope it just auto unsecures.  If not, will try another backdoor # and see what happens then.

@Would’ve been nice to have it unsecure @ 9th stmt w/o a hard inq, but the rep said no way, no how- we have to pull a hard, so I declined.

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Well if the collection was there when you originally applied for the secured card my thing is i thought they don't evan approve you for the secured card if it couldn't possibly unsecure at some point of time.

Message Edited by mjbfan79 on 02-19-2009 03:09 PM

[creditreformer]

 Yeah, I thought the same thing mjb.  I think the rep was not informed…b/c he said the cc is not guaranteed to unsecure + if the collection is there @ the 12 mo. mark, it still will not unsecure.  Just seemed odd, so I was wondering if anyone else had heard this before or if it’s a new ba policy or the rep was clueless?  For now, I am just sitting tight.  BA + all cc accts are in great standing (no new baddies since 03 outside of this reappearing CA), so I don’t see why it wouldn’t unsecure @ some point.

   

[oracles]

Again, I think you got a clueless rep. i would try one more time.

[Anonymous]

No pull for me. Try. try again. (Unless they really are pulling hard each time...LOL)