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BoA and Amex are both out of my reach (for now) but i will keep them that in mind.
I got a BoA with lower EX than you, but my profile is a bit cleaner - 1 medical collection and lates 5 years old. ymmv
@Anonymous wrote:my EX file isn't as bad as EQ. id love a BoA account. just scared of that denial. sorry if out of order, copied from CCT.Negative InformationAccounts Ever Late4Accounts In Collections1Time Since Negative2.3 year(s)Inquiries SummaryInquiries25Public Record SummaryPublic Records0Length of HistoryOldest Account11.2 year(s)Average Account Age2.7 year(s)
You look to have a good shot, and if they decide no, 99/500 secured would be a counter offer for sure, and the card does graduate.
which card would you recommend applying for/ easier to get approval
You can use their pre-qual tool and apply for their recommendation, or prequal if that applies.