BoA CLI = Hard inquiry?

Anonymous · ‎07-07-2008

Last week I requested a CLI from one of my BoA cards because I heard on this forum that they're soft pulls unless that contact you to tell you they are going to do a hard pull. I got the thing that asked you how much you wanted so I filled that out. I requested 13K and they gave me $11,700. I was very happy with that.

Then today in the mail I get a letter telling me that they were only able to approve me for the above amount due to sufficient credit with them and information they reviewed from Experian.

Does this mean it was a hard inquiry?

Anonymous · ‎07-07-2008

likely a soft. do you use a daily puller to monitor these things?

oracles · ‎07-07-2008

it is a soft pull, all of my CLI have been soft

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smoothjk · ‎07-08-2008

BofA does soft pulls. For the record, I love my BofA card...it has been really good to me.

FICO (06/17/08): TU 691 - EQ 642 - EX 638 - Util 64%
FICO (07/23/08): TU 698 - EQ 653 - EX 644 - Util 50%
FICO (02/04/09): TU 694 - EQ 668 - EX 654 - Util 43%
FICO (05/18/09): TU 687 - EQ 675 - EX n/a - Util 39%
FICO (03/09/10): TU 666 - EQ: 691 - EX 644 - Util 54%
IDGuard (2/8/12): TU 690 - EQ: 710 - EX 710 - Util 72%
FICO (03/13/12): EQ: 696 (87% revolving to limits)

FretlessMayhem · ‎07-08-2008

I received that letter also one time. It's still a soft. They just like to see a fair amount of usage before getting too high with the CL too soon.

Here we go again...

Anonymous · ‎07-08-2008

I keep getting emails from BofA telling me, "Congratulations! Your credit line has been increased to: $7,500.00!"

Uh, yeah, like three months ago.

FretlessMayhem · ‎07-08-2008

@Anonymous wrote:
I keep getting emails from BofA telling me, "Congratulations! Your credit line has been increased to: $7,500.00!"

Uh, yeah, like three months ago.

I get the same thing, except with Citi. I think they are upset I used their 15 month no interest offer on BTs and then haven't touched their card, even after a 25 percent auto-CLI.

Here we go again...