@Anonymous wrote:WOW I am a true idiot. I decided to go ahead and apply for BCP and I applied for BCE instead!!!! Why i did this when my twins were screaming in my ear and I'm really anxious I don't know. I got approved, can I PC to Preferred tomorrow?
Congrats 
@Anonymous wrote:I think if you app for the bcp too it will only count as one inquiry, I think I read that some where here can someone confirm though.
+1 to that.. they use the same pull
br>Current score - eq 682(myfico) ex 703(ex 02) Tr 701 (tr 04) ck fako 66)
This is going to be some of the weirdest advice you ever get here but call BOA executive customer service and ask for deletions of the old lates. BOA's system tends to purge closed accounts at 5.5 years. If the trend holds true, those negative accounts can be deleted now because they won't have a way to verify them. They do a limited soft pull and will delete immediately if the accounts don't show up.
Be warned and use a lot of patience: The lady from FIA/BOA executive is not known for personality. Make sure to request they're removed from all 4 agencies so Innovis doesn't get neglected.
BOA is pretty much the White Whale of credit repair. If those accounts have been closed more than 5.5 years you have a chance.
Starting Score: 675
Woke up to an email from Sallie Mae saying I've been approved! So glad I didn't have to call in $4500 limit! Not a world but ill take it!
What did BoA/FIA say about the old accounts?
@Anonymous wrote:Woke up to an email from Sallie Mae saying I've been approved! So glad I didn't have to call in
Congrats Mama!!! You are on a roll! Let us know if they let you PC to BCP, I was approved for BCE 5k a few weeks ago and I was kind of wishing I had applied for BCP instead. I could definately use the 6% CB on groceries vs. 3%!!! Anyway, congrats on all of your recent approvals. Now head on over to the garden after you pick up a store card of your choice....LOL
012019 Fico8/Mortgage Score: 
