12-18-2012 07:38 PM
I want to request a CLI for my BoA cash rewards card but would like to know beforehand which bureau they check. My best score is with EQ (807) but my TU is okay (787) too. I'm hoping they don't check EX because that tends to be my worst FICO, often 20+ points lower than the other two. Of course, I have no way to know what my EX is right now so I guess it doesn't really matter, but it would be nice to have an idea before I call.
12-18-2012 09:04 PM
When I got my cli, they pulled tu & ex for sure, I havent seen my eq report recently. They might just pull all three and like what they see with those two. If youre good about spending and paying it down, I find they are pretty good to me, its jsut a bummer that they have to pull reports to see if theyll give it to you & ya get all worried :/
12-19-2012 05:43 AM
the general consensus on BOA is EX for applications and TU for CLI's. That seems to be what happens to most people regardless of location.
12-20-2012 09:03 AM
Thanks guys (and/or girls).
I'm going to request a CLI today and I'll report back later when I see what they've pulled, although I only check my FICOs every 3 months, so I guess it'll be awhile.
Does anyone know how much BoA typically will raise CL in general? Of course, it will depend on specifics of the card holder, but has anyone ever gotten a $10k increase at once? Or will they require income verfication?
12-20-2012 09:04 AM
12-20-2012 12:56 PM
On my BoA application they pulled TU and EX, not sure what they will pull on CLI . I am based in seattle,wa
12-21-2012 11:12 PM
Thanks fellow Seattlites!
I just put in my CLI request online (and was approved, yay!) but I'm not due to check my FICOs again until March. When I do check it I'll try to update this thread perhaps.
12-22-2012 01:55 AM
Just wanted to pipe in and say that I'm a Seattleite as well!