09-21-2013 06:40 PM
hi guys, i just received another alert from my identity thief protection program that BoA pull another hard inquiry on my account.
Here are the inquiries and date, i applied for the travel reward card on Sep 4:
Sep 4 , HP from experian
Sep 12+ 21, 2 HP from Trans union
Does anyone know why BoA pulled 3 HP for only 1 credit card app? What should i do next to get those extra HP removed?Thanks
09-21-2013 08:02 PM
I have 2: Once when I applied, and once when I asked for a CLI a year later. They haven't randomly pulled my report ever. They do soft pull all reports though (along with all of my other creditors).
Lexie is right though, if you asked for more credit or a recon, this is considered a new request for credit and will be a HP from many creditors.
09-22-2013 01:03 AM
Lexie, yes i applied on the 4 and they approved a day later, so i didn't need to call for recon and definitely not request increase CL. On Sep 11 i saw the 2nd inquiry, call the backdoor number, they said they will look at the issue and now a 3rd inquiry pop up, unbelievable! My wife add me as AU on her BoA, but they dont HP AU right?
09-22-2013 01:07 AM
i would definitely ask BOFA about that other inquiry...if it's unwarranted they should be able to remove it...gl and keep us posted
09-22-2013 01:18 AM
09-22-2013 03:00 AM
When I applied for Travel Rewards, Bank of America used my Experian score but they also hard pulled my TransUnion twice according to Credit Karma. They hard pulled it, removed it, hard pulled it again, then removed it again. These pulls don't matter since they were removed.
09-22-2013 03:16 AM
I have seen TU report HP's, delete them, then put them back on, all within a matter of days. While you might have received two alerts, there is a good chance you only have one HP. You might want to check your full report to verify that there are two pulls.
09-22-2013 04:09 AM
Hopefully it is just delayed alerts. It is definitely worth a phone call though. Keep us updated on what they say if/when you call.
09-22-2013 05:54 AM
Nyan cat<==thanks, i thought i was the only one, i applied for travel rewards too.
Az<= yeah i will call BoA on Monday to see what's going on. I use wf identity theft protection so it's pretty much accurate with date of Hp
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO