BofA CLI and Card Type Change

[Konrad2012]

In Dec 2012 I got BofA to give me a secure card with 3K limit. CR's were horrible, but I had all my taxes paid up so I finally left a little money (appx 26K) in my BofA checking account since I wasn't worried about it getting seized.

 

Paid it on time every month, don't keep much of a revolving balance.

 

Just started cleaning up my reports but said what the heck and called BofA. Told them I wanted my card changed from Secured to Unsecured, and wanted my limit raised to 6K. Wasn't worried about the INQ's even if I was denied since I don't have more than 1 per report, not in the market for a mortgage or a car anytime soon.

 

They pulled my TU (650 on CCT)...and weren't to thrilled with a Cap1 CO and some tax liens.

 

I called back to their Credit Assesment department and got a nice man Mr Simmons on the line. He asked me questions about what exactly happened in an 18 month period from mid-Nov 2007 to late Dec 2008. I went over it with him, and explained to him that most of the baddies had been deleted of my EX already. Explained to him that I don't need the CLI, but I want it to lower my utilization and raise my scores etc etc. Explained I had a BofA checking account for 14 years, and even during the bad time I never NSF'd or overdrew my account. Explained to him that all the tax liens were paid regardless of what they currently show, and if they weren't I wouldn't keep monies in my checking account where they were fair game for the State of CA.

 

He asked if I would accept another hard pull, this time on EX since it is prettier. FYI, my last EX (CCT) was 642. This was when the Cap1 CO and an old $81 baddie still showed. I have not received the score update since then, so Im not sure exactly what difference it had. I know it sure looked better during a manual review though.

 

20 minutes later he called me back. My security deposit would be returned in 10 days, my new unsecured cash rewards card would arrive in 2-3 weeks, and my new CL was 6k...everything I asked for. My positive history for the last two years will transfer over to the new acct # also. 3K back in the bank, an unsecured card, 2x's the limit. I know the cash rewards aren't huge, but its no annual fee and the $100/year I estimate in grocery refunds at 2% pays for a nice dinner and bottle of wine for me and the wife.

 

Fairly satisfied with my results after 1 week of cleaning up my messes.

 

I read various things about BofA on these boards. I cannot speak for every employee of BofA, but Mr Simmons was extremely polite, took the time to listen and ask questions, acted like he actually cared. And at the end of the day, BofA took care of me. Even if BofA told me to kick rocks, I would still be appreciative of Mr Simmons attitude and customer service.

 

Thanks Mr Simmons!

Edited August 13, 2014 by Konrad2012

[Second Chances]

Congrats! I personally had a bad experience with B of A, but, as with everything else, YMMV.

[hegemony]

awesome!!!