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Just a fyi, I tried getting a CLI with my newley Frozen reports on my BOA rewards card,..............
Thought I could sneak by with a soft, but nope.
I was on hold for 10 min for her to come back and tell me to unfreeze my reports.
I said no thank you, have a nice day.
This is the first time I have tried a CLI with BOA, and thought it might be a soft pull after being there over a year.
YMMV
BOFA CLI's are always a HP AFAIK.
Used to be softs, unless you were trying to hit them up every month or something, but now they're hards.
You know, one other interesting thing I found, and have seen different opinions in different threads on this, but I specifically asked why they couldn't pull my reports in a frozen state seeing as they are a current creditor.
If you read the fine print when freezing your reports, all three CRA's say that a current creditor CAN do a HP.
The BOA lady said, they could NOT.
I think its probably not that they can't, but rather a policy not to if your reports are frozen.
Ah the study of the credit beast should be treated as a degree LOL
Mine was a soft about 2 weeks ago. I did not call though I just waited for a few days and they granted the increase with a soft on EX. Not sure if the fact that my reports were frozen made any difference but it certainly can protect you from getting hit with a hard especially if you end up not getting the increase