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How Flexible is BofA being? (Sandy Email)

Super Contributor

Re: How Flexible is BofA being? (Sandy Email)

I definitely think BoA will give CLIs for things like home repairs and stuff. It is a great way for people to get into debt with them and a great opportunity for them to make money 

Message 11 of 15
Valued Contributor

Re: How Flexible is BofA being? (Sandy Email)

modernsurrender wrote:

Tray and Yahcomb, if you don't mind sharing - could you give a brief run down of you credit profile?  


Mostly I'm curious as to whether you have any derogs at all.  That's the big thing holding me back.  I have 3 derogs (co's/collections) on my reports that are 5-6 years old...  But for the last 5+ years I've had excellent credit and have plumped my profile with several tradelines that are in perfect standing.


I wouldn't stress over the single HP normally, but I'm considering Barclays Apple and/or FNBO in late November to replace my HSBC card that was randomly closed and rather not gain a fruitless HP before then.

My TU and EQ reports are clean I have one baddie on EX a paid utility charge off due to fall off next year.  I have been with boa since late 2007 starting off with a secured card and in the beginning I never was able to get a cli either I had many denials with this bank.

Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Message 12 of 15
Established Contributor

Re: How Flexible is BofA being? (Sandy Email)

Thanks for all the feedback... I'll have to mull it over for a bit.  I don't think I'm going to call because I don't think my odds of approval with them are very good based on the history of rejections I've had from them regardless of improvements and good standing with them.


I rather save the HP and put it towards my FNBO preapproval and/or Barclays card I think this way I can still consider cutting all ties to BofA like I had planned to in the spring.

Start 2/2008: TU 495 || EX 539 || EQ 528
Now 5/2013: TU 716 || EX ??? || EQ 702

Slate: $5000 Simplicity: $5000 David's Bridal: $3500 SW Chase: $3000 FNBO: $3000 Barclay NFL: $2500 BofA: $2400 Discover IT: $1700 Walmart: $1500 Victoria's Secret: $1000 Cap1: $750 Amex Zync: NPSL
(2 derogs to go until I'm squeaky clean in 2014!)
Message 13 of 15
Senior Contributor

Re: How Flexible is BofA being? (Sandy Email)

Boa still blows imo. Ive seen more ppl get denied on here for a cli even with the tragedy at hand :-(. It's a damn shame.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 14 of 15
New Contributor

Re: How Flexible is BofA being? (Sandy Email)

I got a Email from boa about sandy because I live in Philly, I did call in for a cli and I got a big fat NO at first but capital one helped me on both of my credit card accounts so I called boa back and spoke to someone else in the credit department and asked them to recon and they did so I have nothing but good things to say about cap one and boa in my (opinion). I hope I helped with your question Smiley Happy

EQ Starting Score: 584 | TU Starting Score: 547
EQ Current Score: 650 | TU Current Score: 643 | EX Current Score: 643
EQ Goal Score: 700 | TU Goal Score: 700 | EX Goal Score: 700
***Staying*** " with prayer that is " with in the garden and no (more) applying until mid-end of 2015!

Message 15 of 15