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 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
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.