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Found 19 results

  1. I’ve been getting ready to do some CLI’s and such, and have been compiling information on BofA - jotting down my own personal dealings (not feelings), combing through threads, sending PM’s, making phone calls to BofA CSR’s and having others try things in their phone dealings as well (thanks Uber). I started to put together a repository of sorts and figured what the hell, I’ll just post it for everyone- present and future. Hopefully this can be a wiki-type post and people can add to or correct any of the below info. This is an objective post, not subjective. I didn’t put this together
  2. Hello, I already had one $5000 Cash Rewards Visa with BofA and a $300 limit Signature Visa as well. The $300 Visa was open since 2007. The $5000 limit one has been open since 2011. I also have a $2500 Amazon store card since about 2011 and a Capital One Quicksilver Visa with an $800 limit, and a Capital One Platinum MasterCard with a $700 limit. Have had both of those since 2010. The $5000 BofA Cash Rewards card, Amazon Store Card, and both Capital One cards have all been as the limit since last summer. I never had any late payments. I have had my checking account with BofA since 2007. I a
  3. I'm trying to help a friend with an Auto Loan that was at Bank of America that is now paid off. BofA is reporting 30 days late Aug 2011, 30 days late Dec 2012, and 60 days late Jan 2013. I am looking at the Metro 2 — 2012 Credit Reporting Resource Guide to understand how and when 30-day and 60-day lates are to be properly reported. In there I read: They then give an example of a payment due on January 15th and how it should report on the first of each month: January 1st: 0-29 days late (code 11) - no payments past due February 1st: 0-29 days late (code 11) - one payment past due Marc
  4. I'm helping a friend with their credit report that includes an auto loan from Bank of America that shows a 30 day late from 2011 as well as a 30 day and 60 day from 2012. He has proof that he was not 30 days late in 2011 in the form of a cancelled check that he sent early for the month in question. He submitted a copy of the check in disputes about the 30 day late from 2011 to TransUnion and Equifax so far. After hearing back from TransUnion, he sent a 623 letter to BofA stating: Their response was underwhelming and dated the same day their received my letter: I also submi
  5. I know there are a lot of you who have either 1 or more of these cards. I believe that basically, from what I can read, they all tie in to BofA. So to my understanding, they are all underwritten by BofA, correct? Also, I realize that they all have their different benefits, but can anyone chime in on which may be a "better" choice to apply for? I don't see where there is a banking/investment account requirement for the Merill+, is that correct? Thanks CBers!
  6. I received my Bank of America travel rewards card on Monday, called Tuesday for a CLI from 2500 to 5000, approved. Called today and asked to get bumped to 7500, put on hold for a few minutes, asked some income and employment info, approved. Bank OF America is awesome seems they are very generous with CLI's 2 in 2 days and just got the card Monday.
  7. Hi, wondering if anyone has a Current B of A Recon phone #. I have tried the ones here and have had NO LUCK! DW just got denied for a Better Balance Rewards Card after a $9k CLI on Plat Plus. Hoping to take advantage of the this, since it was a Pre Qual Offer. Thanks
  8. Well after trying to freeze my EX report online I finally broke down and called them. Only took a couple of minutes but I just despise talking on the phone to "credit people". Maybe not "credit people" but it just amps my blood pressure up, LOL. Anyway, after I got my EXP frozen I applied online for a Bank of America credit limit increase. Had it over a year in June of 2013 and they started me off at $10,000. I left the amount I wanted out an applied, but it came back stating I had to put an amount in the CLI box so I put $25K. Came back with it increased to $18,000. I'll take tha
  9. Just wondering if anyone has ever app'd with BofA and had it take the full 30 days that they say it may take. Just app'd with them on the 1st day of the app spree for DW (8/30) and they still say it is under review. Wondering if she should call and try talking to the UW dept, any suggestions? Thanks, BD
  10. I have been working on my credit for 2 years to re-establish after a BK which is 8 years old. I have been following your suggestions as of joining the board but I have made some mistakes before by getting toy limits. All 3 of the cc reports are clean with the exception of the BK. Income: $110K Credit Utilization under 30% Scores: Equifax: 652, Experian: 703 TransUnion: 705 (from myFico as of 06/14/2014) Cards/Limits: Barclay's: $1,800 Capital One: $5,750 Chrysler Capital: $ 14,840 Balance Lease Credit First: $1,400 Fingerhut: 1,300 First Premier: $700
  11. ok Verizon... sent out letters as per BRBiZ advice... and now i have a BOfA charge off with small 98 dollar balance... (secured card)... dont ask me how lol.. any approach with BOfA i should route too ?? HELP ME CB!!!! 2 away !!!
  12. This is going to be a long one, so I apologize now for all the questions...I've been doing some reading but still need some clarification about 1099c, so any insight or info would be appreciated. I have an old BOA charge off that I never did anything about because it was still within SOL until this year (which is, I’m guessing, why they decided to issue me a 1099c). From my reading, it’s my understanding that they should have filed this within 3 years from the DOFD, right? If that’s true, what can I do about this? I may be able to prove that I was insolvent – I believe I wasn’
  13. Here is a scenario: Home foreclosed. BofA sues homeowners, awarded judgement for $215K ($190K loan balance plus fees). Fannie Mae takes ownership of home for $1000. Fannie Mae sells home for $175K. Court still shows judgment due to BofA unchanged at $215K. What am I missing? I would think BofA was made whole (except for maybe the fees) by Fannie Mae, as it was an FHA mortgage? So how is it that BofA got paid $190K by Fannie Mae to make them whole AND BofA still has a judgment showing they are owed $215K from homeowners? Should not the judgment now reflect o
  14. I burned Citi, BofA and Amex almost 7 years ago. My spouse tried to add me as an AU to AMEX and it was a no go. (No shock but worth a try.) Can I be added as an AU to our BofA AMEX or will I be declined because of BofA and/or AMEX? Same question with citi. Do they blacklist AUs like AMEX or only primary account holders. I tried multiple searches for the answer to these questions but it is impossible to search for AU. TIA
  15. so here's the skinny. A long time ago in a galaxy far far away BofA closed 3 accounts with money in them due to suspected fraud. They reported the accounts to Chex and never sent me a check for the balances (well over 3k). So i sued BofA and won because not only were my accounts closed in error, but they never gave me the money in the accounts when they did close them. So i write a letter to chex telling them that the report of fraud was null and void due to the results of the court case. I sent them them a copy of the court verdict along with the letter. So they come back and tell me that
  16. For those of you with BOA Secured cards: I have had this card for 11 months, and am pretty familiar with it, including adding additional security deposits to increase the credit line (which I've recently done actually). I expect that it will unsecure after the first of the year considering payment history, reduced util that will report by 1/1/14 and improved scores. Today, I noticed that there is a 'request a credit line increase' button on my login page. I've always called in to do the increases before, so I'm not sure if this is new, or I've just overlooked it before. Do those o
  17. Hello CBers! Hoping you can shed some light on this for me. Back in October of 2009 (before I ever heard of CB) I settled a cc w/ BofA for $884. The account reports as 'Closed' and 'Settled for less than full balance' AND 120 days past due. Can they report it as 120 days late until it falls off or is that something I can dispute? Thanks for any help you can provide.
  18. So while I was supposed to be gardening, I couldn't help getting sucked into one more application from BofA for a Cash Rewards card. I have no other accounts whatsoever with them. So I applied a couple weeks ago, and was approved for the siggy card and a $5K CL. I received the card in the mail yesterday, and activated it, signed in to see the $5K CL and a love button. Now since I had just activated the card, I figured I probably shouldn't hit the button, but then I thought what do I have to lose? So I hit the button and asked for $7K since I have a few other cards already at that
  19. Hey guys, I started my credit history 10 months ago with a secured 99/500 Bank of America Cashrewards and the secured Capital One. So far, I've always PIF, and kept a low utilization (<20%). Last week, my BOA GRADUATED to an unsecured card, and they increased my CL from $500 to $1,000, so that's a very good news. Today, my Credit Karma score DROPPED 45 POINTS!! With the following notifications: - The limit on 1 of your credit cards has increased. (That's the BOA) - Your previously unused CAP ONE account is now reporting a balance. (I forgot to USE my Capital one card for a month...) Note
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