Wait a minute, some of those inq needs to drop (disputed) because they only stay on for 2 years (sometimes less). Whatever baddie that you had for 8 years needs to be disputed also because it only suppose to last for 7 years after they first reported it delinquent (unless it is a judgment, that last for 10 years). You say you have 6 inq with 3 years, how many are from June 30, 2008 to June 30, 2009? How many were approvals/denials. My reason for asking is because not only can the inq impact your chances, new accounts can also.

Here is the pre-approval link for Bofa https://preapproved.bankofamerica.com/cc/SelfInquiry.aspx

Here is the pre-approval link for Amex dusty.....neva mind:laugh: https://www201.americanexpress.com/secure/my-special-offers

Exactly never mind for the trashy AMEX

Sat 6-27-09 I took a chance to get my third and final prime card of the year through Boa pre approval website.what popped up was 1.Bankamericard Power Rewards visa 2.Mastercard Platinum plus card 3.Bankamericard cash reward visa.so i made my decision and it said i should receive my card within 7 to 10 days and as i clicked on accept,is said" you should receive information about the account within 7 to ten days and i thought ohh noo maybe a denial.....

Maybe not espeically if they didn't deny you right away.

Thanks but unfortunately I got denied for the BOA secured card

What!!!! You got denied for a secured card

Sat 6-27-09 I took a chance to get my third and final prime card of the year through Boa pre approval website.what popped up was 1.Bankamericard Power Rewards visa 2.Mastercard Platinum plus card 3.Bankamericard cash reward visa.so i made my decision and it said i should receive my card within 7 to 10 days and as i clicked on accept,is said" you should receive information about the account within 7 to ten days and i thought ohh noo maybe a denial......

That is the only thing I can think of also Colo:confused:

first, i would like to thank you for your help - i have less than 6 inquiries within 3 years - some negative items more than 3 years ago and oldest is 8 years long and absolutely no late payments, collection or bankruptcy recently - the website

https://preapproved.bankofamerica.com/cc/SelfInquiry.aspx[/URL] you gave me before did not work for me and my mom as well (her scores are]

Crazy. The link works for me, or did you mean after you entered your info they did not pre-approve you for anything?

Like Meya said, inquiries only stay for 2 years so if you have any inquiries from 2006 still on your bureau (and thru 6/07) you should dispute those. And as Meya said, anything over 7 years old (bad info) should have fallen off too. I would clear those up before you apply for anything new.

As far as BofA declining your mom and then approving (or other way around?) it just depends on what is on the credit report at the time. Perhaps your mom had some inquiries that fell off the second time she applied or she had high utilization the first time she applied and then the second time around her balances were lower and then got approved.

Wait a minute, some of those inq needs to drop (disputed) because they only stay on for 2 years (sometimes less). Whatever baddie that you had for 8 years needs to be disputed also because it only suppose to last for 7 years after they first reported it delinquent (unless it is a judgment, that last for 10 years). You say you have 6 inq with 3 years, how many are from June 30, 2008 to June 30, 2009? How many were approvals/denials. My reason for asking is because not only can the inq impact your chances, new accounts can also.

Here is the pre-approval link for Bofa https://preapproved.bankofamerica.com/cc/SelfInquiry.aspx

Here is the pre-approval link for Amex dusty.....neva mind:laugh: https://www201.americanexpress.com/secure/my-special-offers

Those are actually good scores. Do you have any baddies? How many inquiries? How long is your credit history?

Follow this link for Bank of America]https://preapproved.bankofamerica.com/cc/SelfInquiry.aspx[/URL]

You will need to enter your information, don't worry it is a soft inquiry (only you will see the inquiry on your credit report). This is a good way to see if you are pre-approved for anything at BofA. Some other banks ofer this as well. I am pretty sure Capital One has this functionality.

I really wouldn't apply for anything though if you have too many inquiries.

first, i would like to thank you for your help - i have less than 6 inquiries within 3 years - some negative items more than 3 years ago and oldest is 8 years long and absolutely no late payments, collection or bankruptcy recently - the website]https://preapproved.bankofamerica.com/cc/SelfInquiry.aspx[/URL] you gave me before did not work for me and my mom as well (her scores are: 820, 835 & 850) but still got decline before but she got approved for amex by bank of america with credit line $18,750 for more than three years ago (????) - do you have any idea why or does anyone has any ideas why? thanks

Check out the BOA secured card I believe that will be a much better card for you.

Thanks but unfortunately I got denied for the BOA secured card

This is the only thing I can think of because those are good scores. Also, high utilization will cause a decline

Exactly, the banks are already gunshy these days but you are right, if they see high utl and massive inquiries they will decline.....

Those are actually good scores. Do you have any baddies? How many inquiries? How long is your credit history?
It really wouldn't apply for anything though if you have too many inquiries.

This is the only thing I can think of because those are good scores. Also, high utilization will cause a decline.

hi,

does anyone has experience with which banks, cards would be approved / fits for scores

Those are actually good scores. Do you have any baddies? How many inquiries? How long is your credit history?

Follow this link for Bank of America:
https://preapproved.bankofamerica.com/cc/SelfInquiry.aspx

You will need to enter your information, don't worry it is a soft inquiry (only you will see the inquiry on your credit report). This is a good way to see if you are pre-approved for anything at BofA. Some other banks ofer this as well. I am pretty sure Capital One has this functionality.

I really wouldn't apply for anything though if you have too many inquiries.

hi,

does anyone has experience with which banks, cards would be approved / fits for scores: 685, 692 & 709 - this month (6/09), 5/3 bank DECLINE me for their Visa card because i did not have enough scores to qualified for - please help! thanks.

Was wondering if anybody could tell me if you HAVE to HAVE a membership with Costco to get the True Earnings Card..? All help would be appreciated

Yup. The application won't be approved until Amex verifies your membership with Costco. You can apply for both the card and membership from Amex's website.

Was wondering if anybody could tell me if you HAVE to HAVE a membership with Costco to get the True Earnings Card..? All help would be appreciated