BOA Amex CLI Any takers?

[MrCredit]

I am itching to ask BOA to increase my credit limit to 10.1k from 7.5k today since its Black Friday. I am in a shopping mood.

My FICO is 700. Do you think because its black friday there is a chance of an auto approval. What issuers would be

auto approving CLIs today?

I was told they are all hard pulls now. Any takers to try today and see what happens?

I dont want to risk the inquiry.

[LS2982]

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@MrCredit wrote:

I am itching to ask BOA to increase my credit limit to 10.1k from 7.5k today since its Black Friday. I am in a shopping mood.

My FICO is 700. Do you think because its black friday there is a chance of an auto approval. What issuers would be

auto approving CLIs today?

I was told they are all hard pulls now. Any takers to try today and see what happens?

I dont want to risk the inquiry.

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Maybe freeze reports and try it??? Nothing to lose.

[MrCredit]

Can you freeze and unfreeze reports online?? What does that cost and where do I go?

Happy Thanksgiving

[Anonymous]

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@MrCredit wrote:

Can you freeze and unfreeze reports online?? What does that cost and where do I go?

Happy Thanksgiving

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You can freeze your reports by calling each of the CRA's, I just froze my TU and EX late last week (EQ has been froze for months)

TU 1-800-916-8800 talk to the CSR tell him/her you want to place a freeze on your report and he will process your request and give you this number to call to freeze your report 1-888-909-8872, you may be able to skip calling the first number and call the second number, I don't know, I called the first number initially and after he did something he provided me with the second number I listed to complete the freeze with TU, upon calling the second number (automated service) I was asked to provide info to verify my identity and it asked me to create a 6 digit PIN number, that you will need to have if you want to temp lift a freeze, as for the cost, it depends in which state you live, in NC where I live, there is no charge. And using the second number I have listed is the number you would use to put a temp lift on your freeze, you will need the PIN you created and you will have to choose a timeframe you want your lift, 1day is the least and 30 days is the max, it will take about 15 minutes after you hang the phone up, for your report to be temp unfroze.

EX 1-888-397-3742, you can do a security freeze all by automated service, but with EX you do not create a PIN for yourself, they will send you a letter in the mail with a PIN they have created for you, and I think the process is the same as I've described above for placing a temp lift on your freeze, and again the cost is based on which state you reside.

EQ 1-866-640-2273, not sure exactly how it works with EQ because I already have their ID Patrol monitoring service, which allows me to lock and unlock my report at will VIA my phone, I have the EQ app that allows me to log in to my account and click one button and unlock or lock my report at will. I can also do it on their website by logging into my account and lock or unlock it there.

Best of Luck!

[clocktick]

Can companies, you are not doing business with, still do soft pulls on frozen reports?

[Anonymous]

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@clocktick wrote:

Can companies, you are not doing business with, still do soft pulls on frozen reports?

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The way it was explained to me was, that the only companies that can view your report when froze, are your current creditors, and I was sure to ask if one of my current creditors can hard me when my report is froze, say for example I request a CLI, I was told no, they can not hard me, they can only soft me.

As far as companies you are not doing business with being able to still do softs, I did not ask that question, so I'm not really sure.

[haulingthescoreup]

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@Anonymous wrote:

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@clocktick wrote:

Can companies, you are not doing business with, still do soft pulls on frozen reports?

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The way it was explained to me was, that the only companies that can view your report when froze, are your current creditors, and I was sure to ask if one of my current creditors can hard me when my report is froze, say for example I request a CLI, I was told no, they can not hard me, they can only soft me.

As far as companies you are not doing business with being able to still do softs, I did not ask that question, so I'm not really sure.

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No, they can't. This is why when you freeze your reports, you won't get CC (or insurance) offers, and pre-approval sites won't work.

Also, if you're heading for a mortgage, the CRA's won't be able to sell your name to junk debt buyers. They buy lists of consumers with new mortgage inquiries and try to match names with old collections floating around, so that they can slap a collection on your reports. Even if it's way past reporting, or if it's not even yours, they know that mortgage lenders don't want open collections on your reports, and you'll be pressured by time to pay the collection, again even if it's not yours, or if it's long since paid.

Your current (= you have open accounts with them) creditors still have the right to soft you using the AR (account review) and AM (account maintenance) designators. No one else can.

Interesting about them not being able to randomly hard you, though. That does make sense, it that if you have a BofA card, and you want to apply for a second (different) BofA card, it would require a hard pull, so you would have to unfreeze your report.

[Anonymous]

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@haulingthescoreup wrote:

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@Anonymous wrote:

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@clocktick wrote:

Can companies, you are not doing business with, still do soft pulls on frozen reports?

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The way it was explained to me was, that the only companies that can view your report when froze, are your current creditors, and I was sure to ask if one of my current creditors can hard me when my report is froze, say for example I request a CLI, I was told no, they can not hard me, they can only soft me.

As far as companies you are not doing business with being able to still do softs, I did not ask that question, so I'm not really sure.

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No, they can't. This is why when you freeze your reports, you won't get CC (or insurance) offers, and pre-approval sites won't work.

Also, if you're heading for a mortgage, the CRA's won't be able to sell your name to junk debt buyers. They buy lists of consumers with new mortgage inquiries and try to match names with old collections floating around, so that they can slap a collection on your reports. Even if it's way past reporting, or if it's not even yours, they know that mortgage lenders don't want open collections on your reports, and you'll be pressured by time to pay the collection, again even if it's not yours, or if it's long since paid.

Your current (= you have open accounts with them) creditors still have the right to soft you using the AR (account review) and AM (account maintenance) designators. No one else can.

Interesting about them not being able to randomly hard you, though. That does make sense, it that if you have a BofA card, and you want to apply for a second (different) BofA card, it would require a hard pull, so you would have to unfreeze your report.

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So it sounds like it would be a VERY good idea to have your reports frozen when looking to buy a home?

Does the freeze also prevent the CRA from selling your info to junk debt buyers in general, or just for mortgage purposes?

[haulingthescoreup]

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@Anonymous wrote:

So it sounds like it would be a VERY good idea to have your reports frozen when looking to buy a home?

Does the freeze also prevent the CRA from selling your info to junk debt buyers in general, or just for mortgage purposes?

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It's for everything. It's worse for mortgages, though. JDB's specifically buy reports of those who have new mortgage apps, because they know that they'll have you over a barrel if they put anything on your reports. For other stuff, you have the time to fight them.

And you want to freeze your reports BEFORE you app for a mortgage, if you can. (You'll need to unfreeze them for the app itself.) There's often a bit of a delay before an opt-out or opt-in takes effect.

If you think of a JDB as a potential creditor ( ), you're preventing them from accessing your reports in the same manner that you're preventing a new CCC or insuance company or roof repair company (I got softed by one of these once and sent an offer) from softing you.

[Creditaddict]

Although I have always read and been told that current creditors can access your credit report even if frozen has not been my experience... I have always been asked to go unlock my reports for them.