Yesterday I get a call from a woman who would like to buy a home but doesn't know what to do.  Her Realtor gave her my name and the name of a Bank of America loan officer.  The loan officer at BofA pulled her credit and told her there was nothing she can do right now.  When the woman asked for a copy of her credit report she was told that would not happen.  Then she asked if the loan officer had any advice for her to work on her credit.  She was told to call back in a few months and the loan officer would check again.  If you don't tell her what she needs to fix and you don't tell her what she can do as a positive on her credit, the score will pretty much be the same in a couple of months.  Thanks BofA!  Keep up the good work!!