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BOA 2nd CLI

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Anonymous
Not applicable

BOA 2nd CLI

Anyone know if it's a second HP if you do it online instead of calling? I know they aren't supposed to pull again if it's in 30 days but I don't know if it counts because it's online vs calling.
Message 1 of 7
6 REPLIES 6
CreditMagic7
Mega Contributor

Re: BOA 2nd CLI

Hi Smiley Happy

 

Guess i'll be the first to respond. Yours is a really good question.

 

Believe it or not and i have 2 long held BofA ccc's myself, theres not much i know of on that either.

 

Maybe someone who's done this approach before might weigh in on that.

 

While It's always mentioned always expect a HP when seeking new credit bofa does make some provision in using a HP in 30 days because i have went that same route before with great success however only via personal phone call to U/W.

Message 2 of 7
Anonymous
Not applicable

Re: BOA 2nd CLI

It gives you a warning for a HP but I just wasn't sure.
Message 3 of 7
CreditMagic7
Mega Contributor

Re: BOA 2nd CLI


@Anonymous wrote:
It gives you a warning for a HP but I just wasn't sure.

Then count on it.

 

If it says it, then it will do a HP if you proceed. That's auto computer language. Thanks for sharing.

 

You might be better served to just call in and give it try with a U/W and ask about if they can use the same HP from the last one.

Message 4 of 7
RonM21
Valued Contributor

Re: BOA 2nd CLI

Agree. Once that warning comes up, then it is a given that the HP is coming.


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 5 of 7
Anonymous
Not applicable

Re: BOA 2nd CLI

I have always called when using the same HP. I would just call the back door number. Good luck!
Message 6 of 7
Anonymous
Not applicable

Re: BOA 2nd CLI

As some others have said, I would definitely call. When I do I always mention that I just had a hard pull so no need for a new one. So far that strategy/action has always worked. Good luck!

Message 7 of 7
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