BOA Hard Inquires Twice, Can I Dispute?

[cpautovisionz]

I applied for a BofA unsecured card on 4/30 and got denied. They counteroffered with a secured card and I took it. On 4/30 there was an inquiry and I just got an alert today for another hard inquiry. I think it is for the same card, can I or should I dispute this?

[bearsfan34]

I think the second one must be for your secured card. But hopefully someone who has the same experience could clarify.

[smc733]

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@bearsfan34 wrote:
I think the second one must be for your secured card. But hopefully someone who has the same experience could clarify.

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That is correct.  I saw someone post about this before, BofA pulled a second hard when going for the secured card.

[aftermath]

Unfortunately 2 inquiries is correct.  The unsecured and the secured are 2 different products.

They pulled one to consider you for their unsecured... denied.

They pulled one to consider you for the secured... approved.

[llecs]

Same happened to me back in the day, OP. One is for the unsecured and one for the secured. At one point I had trouble with my 99/500 and I learned that their secured department is a completely seperate entity (and location) to their unsecured department. One doesn't know what the other is doing and vice-versa. This could likely be the reason for the two inquiries.

[Cotton_Britches]

Which credit bureau did BOA pull?

[vish1]

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@cpautovisionz wrote:

I applied for a BofA unsecured card on 4/30 and got denied. They counteroffered with a secured card and I took it. On 4/30 there was an inquiry and I just got an alert today for another hard inquiry. I think it is for the same card, can I or should I dispute this?

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This is how BoA works. they pulled twice for me too. One for unsecured and then for secured. You can't dispute it, its a legitimate inquiry.

[texasman07]

I got 3 hard Pulls!

One for the Unsecured

One for the Secured and because I did not accept the offer right away and waited 30 or so days, I got another HP when they accepted my funds to secure the card!! It was done on Experian so I really dont care, But geesh!

[cpautovisionz]

It showed up in my EX report. Thanks, I knew it was going to happen.