@Anonymous wrote:
Good morning!
I have a $600 secured Harley Davidson Visa. I have had it for 2 years this month, and never missed a payment. I am considering requesting it be graduated so that I can get my security deposit back. I think I have read they look for a 680 score, and mine is right around there, depending on who they pull, it might be 2-10 points under. Does anyone know which CR they pull? Is there any specfic verbiage I should be using? I read somwhere before I applied that using the worng phrasing can lead them to cancling this card and giving me a new procuct, instead of protecting my ago of account from when I opened the secured card.
US Bank told me about a year ago that this card does not graduate to unsecured, they close it and open a new account. Closing the account will not affect your AAoA - closed accounts are included in FICO calculations.
