Anyone know which CR BoA pulls in Seattle/WA?

h4ldol · ‎12-18-2012

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.

missambitious · ‎12-18-2012

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 :/

123 BOA Cash Rewards 2K, Macy's Store, GE Capital (local furniture) 4K & counting

Long Term Goals:
Amex BCP, Discover, CSP
FICO score 750+

YahComb · ‎12-19-2012

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.

h4ldol · ‎12-20-2012

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?

Thanks!

jsickz32 · ‎12-20-2012

Im MA. They pull EQ to open account and pull TU for cli

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)

Anonymous · ‎12-20-2012

On my BoA application they pulled TU and EX, not sure what they will pull on CLI . I am based in seattle,wa

HiLine · ‎12-21-2012

Another Seattlite here. They pulled TU and Ex on me.

---> HiLine's personal finance blog - Follow my journey!

h4ldol · ‎12-21-2012

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.

Happy holidays.

HiLine · ‎12-21-2012

Congratulations! I hope you got a big raise. Happy holidays!

---> HiLine's personal finance blog - Follow my journey!

sakhalin070 · ‎12-22-2012

Just wanted to pipe in and say that I'm a Seattleite as well!

Happy Holidays!

AMEX BCE, Discover IT, Citi Forward, BoA Travel Rewards, Barclaycard Cash Forward