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Jacque383 wrote:Hi,Congratulations on the credit card and increase in credit lines...I have an off the subject question. I'm in the middle of a refi on a piece of property. When you did your refi did it raise your credit scores? If so, did they go down first and then come back up?I'm trying to figure out exactly what this refi is going to do to my scores, if anything.Thanks so much and again, congratulations.At the refi the mortgage guy told me my middle Fico score was about 584, then told me that it dropped to about 580 during the process, could have been the inquiries for the mortgage...At the time I wasn't working on my credit reports, and didn't start for a few months. When I did finally pull my fakos, they were:FAkos - Feb 07 TU 571, EX 590 & EQ 579Fakos - May 07 TU 585, EX 589 & EQ 595Now my Ficos, after a little work:TU 649, EX 620 & EQ 624Dont know if that helps, like I said, at the time I wasn't really working on them and when I did start I didn't know the diff between Fakos & Fico.ctRob
lost2007 wrote:Was the link she gave you you for the miles card the same credit app for the one on their site? Andwhy do you think they approved you for a new/different card anddidn't/couldn't unsecure your secured card?I think the approval for the MilesEdge card was probably just based on my current scores and reports. With a secured card they want about 9 months of history on their secured cards before they can convert to unsecured. She probably couldn't over-ride that rule.The MilesEdge link she gave me was inside one of her messages, I couldn't tell you if it was the same as the one online. My guess is that the link she gave me was tagged somehow so she (the online chat fairy) gets credit for the sale. But I don't know for sure about that.I can tell you that the online chat BoA people are very helpful. And whenever I ask for help I log into my accounts first. Don't know if that helps or not when asking for stuff. I have two checking accounts and a savings account with BoA.Hope that helps...ctRob
lost2007 wrote:Was the link she gave you you for the miles card the same credit app for the one on their site? Andwhy do you think they approved you for a new/different card anddidn't/couldn't unsecure your secured card?