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@Anonymous wrote:I'm assuming I have a 700+ EX for sure, by kind of looking at my FAKOs (I know, I know) and the one I got from CreditKarma yesterday. I guess I have perfect history since I have never missed one payment ever. I intentionally changed back to <10% utilization ratio since I learned that 0% is not as good as <10%. I have done 0% all along from 2004-2007 that kept me around 720 FICO. No relationship with BofA at all. I guess I'll go to a Schwab branch and talk to a banker and see how it goes.
I'm not sure how much a Schwab branch can tell you. The card is underwritten and serviced by FIA(BofA).
I was actually initially denied for the card, recon'd and was approved. While the questions of those credit analysts are quite intense and intrusive, I have had good experiences thus far.
@mrdrum18 wrote:
@Anonymous wrote:I'm assuming I have a 700+ EX for sure, by kind of looking at my FAKOs (I know, I know) and the one I got from CreditKarma yesterday. I guess I have perfect history since I have never missed one payment ever. I intentionally changed back to <10% utilization ratio since I learned that 0% is not as good as <10%. I have done 0% all along from 2004-2007 that kept me around 720 FICO. No relationship with BofA at all. I guess I'll go to a Schwab branch and talk to a banker and see how it goes.
I'm not sure how much a Schwab branch can tell you. The card is underwritten and serviced by FIA(BofA).
I was actually initially denied for the card, recon'd and was approved. While the questions of those credit analysts are quite intense and intrusive, I have had good experiences thus far.
True. I went to the local branch and they could not tell me anything but handing me some brochures and application forms. They told me to call the 1-800-NUMBER. I called and was given nothing but some wait time until I was transferred to the credit card department where the call was dropped. I'm gonna call them back later on the day.
Eiso - did you ever find out any more information about this?