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emptypockets
Posts: 511
Registered: ‎02-03-2009

Bank of America Pre-Approvals/Pre-selected

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‎10-19-2012 09:28 AM - edited ‎10-19-2012 09:29 AM

I have been getting these in the mail once a week for the past couple of months. Some say pre-selected, some say pre-approved. They all have the opt-out language on the bottom of the letters. Does anyone know how they are for approvals (initial limit, who do they pull).?

 

I had been throwing the offers out, but the one I got yesterdat was for a Detroit Tigers World MC, basically the 3/2/1 card with 0%BT for 15 mos, and 10.99 interest after that. Most of the others had a variable 12.99-20.99 interest rate. 10.99 is pretty decent.

CC's: AMEX Delta/BCP/HH, Alliant Visa, PenFed AMEX, Nordstrom Sig Visa, Lowe's, BBRZ Plat, US Bank Visa Sig Cash+, Chase CSP/Freedom/Marriott, UMB Visa, Dillard's AMEX, US Airways MC, Barclay's NFL Visa, Home Depot, Citi Diamond Pref./Dividend, Discover More, Walmart Discover, Cabela's Visa, Cap One Cash Rewards Visa, BOA Better Balance Rewards MC, Jared, Kohl's, Macy's.

Current Scores: EQ (3/2/13): 755; TU (MyFico 3/2/13):749; Walmart TU Fico 08 (5/13/13): 791; EX (8/21/12 AMEX pull): 779
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Revelate
Posts: 4,233
Registered: ‎12-30-2011

Re: Bank of America Pre-Approvals/Pre-selected

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‎10-19-2012 10:00 AM - edited ‎10-19-2012 10:01 AM

National lender and they'll pull any of the 3 for the initial account.  Mine for example have always been EX for opening, TU for CLI's.  The TU for CLI's seems to be pretty consistent for probably everyone on this forum.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)

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