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How Inquiry Sensitive is BOA?

Senior Contributor

Re: How Inquiry Sensitive is BOA?

I wonder if I'd get approved for a boa bbr? I need to start accumulating them early. 

 

Thinking being an au for a brief period may not help much. 

 

Maybe waiting would be best since they combine inquiries? 

EQ 730, TU 730, EX 720. INQs EQ-1, TU-9, EX-7 AAOA 4yrs Util 6% Inspiration: Themanwhocan's Cash Back Charts
Message 21 of 33
Super Contributor

Re: How Inquiry Sensitive is BOA?

Did you app yet op?  Curious. Last true lender I want to get in with. 


Message 22 of 33
Frequent Contributor

Re: How Inquiry Sensitive is BOA?

I too want to app for their card. I went on an spree earlier this month and I am trying to refrain from apping. Seems like nobody has replied if they apped or not. Good luck if you do and keep us posted.

EQ:764 TU:767 EX: 755 Total Credit Limit $414,600
Message 23 of 33
Valued Contributor

Re: How Inquiry Sensitive is BOA?

I am also interested in finding out if they care about number of new apps within a certain time frame?

 

I have four new apps this year.

 

I know Chase cares about no more than 5 new apps in 2 years, just wondering about B of A.

 

thanks

 

 

 

Accept the Challenges so you can feel the Exhilaration of Victory.
George S. Patton
Message 24 of 33
Valued Contributor

Re: How Inquiry Sensitive is BOA?

Coworker has 9, approved for 123. They're like US bank and Citi Bank they don't care about small sprees they care about a charge off thats 8 years old. I got my scores over 700 again and they told me to take a hike
Open one, close three. Open one, close three.
Message 25 of 33
Valued Contributor

Re: How Inquiry Sensitive is BOA?

5 years old. If it was 8, I'd have a bofa
Open one, close three. Open one, close three.
Message 26 of 33
Moderator

Re: How Inquiry Sensitive is BOA?


fordguy89 wrote:
Coworker has 9, approved for 123. They're like US bank and Citi Bank they don't care about small sprees they care about a charge off thats 8 years old. I got my scores over 700 again and they told me to take a hike

+1

 

I had an old Providian that converted to Wamu that converted to Chase during the time it was being CO'd back in 2006/2007.  The Chase site now shows me prequalified for Freedom (and sometimes Slate) but I don't bother apping for either... I'm sure they'll hold the old card against me.  I also had a Juniper that was CO'd long ago (2005), and Barclay's still holds that against me... they don't even do a credit pull (thankfully).

 

That's OK... there are lots of other good lenders out there!  Smiley Wink

Message 27 of 33
Contributor

Re: How Inquiry Sensitive is BOA?

I have 2 cards with them Rewards and Platinum, Last week I called for CLI they ran TU I have 21 inquiries 10 of them this month lol.  I have the cards since 2013 and I only got 1 CLI on 1 card.  They want a HP everytime I asked for CLI .

Message 28 of 33
Valued Contributor

Re: How Inquiry Sensitive is BOA?

Since I have not directly screwed with them I'm going to try to get added as a user on my mom's account again it's not necessary Chase loves me
Open one, close three. Open one, close three.
Message 29 of 33
Senior Contributor

Re: How Inquiry Sensitive is BOA?


UncleB wrote:

fordguy89 wrote:
Coworker has 9, approved for 123. They're like US bank and Citi Bank they don't care about small sprees they care about a charge off thats 8 years old. I got my scores over 700 again and they told me to take a hike

+1

 

I had an old Providian that converted to Wamu that converted to Chase during the time it was being CO'd back in 2006/2007.  The Chase site now shows me prequalified for Freedom (and sometimes Slate) but I don't bother apping for either... I'm sure they'll hold the old card against me.  I also had a Juniper that was CO'd long ago (2005), and Barclay's still holds that against me... they don't even do a credit pull (thankfully).

 

That's OK... there are lots of other good lenders out there!  Smiley Wink


I have exactly the same Providian scenario, and when I reconned my Freedom the analyst did bring it up. Still approved me. I did pay it off back then, though.


Gardening until tomorrow.
Message 30 of 33