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Contributor
severine
Posts: 122
Registered: ‎08-19-2012

BoA--SO ANNOYED

So earlier today  I was looking at my Bank of America account on line and realized that I hadn't received a CLI in a while. I filled out the request form, making sure that a HP wasn't going to be required. I mean, I was being VERY CAREFUL. I went ahead and pulled the trigger are received an increase of 2k. Fast forward to me downloading a new report several hours later and BOOM of course there's a new inquiry from them on there! DAMMIT. I was waiting for my May 12 inquiry to fall off in order to get a CLI from Chase. Now I am so annoyed--do you think there's any use in calling? Also, saddest part of this whole deal? It's a Visa sig card and they don't even report the CL, so my util won't even go down. UGH!

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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: BoA--SO ANNOYED


severine wrote:

So earlier today  I was looking at my Bank of America account on line and realized that I hadn't received a CLI in a while. I filled out the request form, making sure that a HP wasn't going to be required. I mean, I was being VERY CAREFUL. I went ahead and pulled the trigger are received an increase of 2k. Fast forward to me downloading a new report several hours later and BOOM of course there's a new inquiry from them on there! DAMMIT. I was waiting for my May 12 inquiry to fall off in order to get a CLI from Chase. Now I am so annoyed--do you think there's any use in calling? Also, saddest part of this whole deal? It's a Visa sig card and they don't even report the CL, so my util won't even go down. UGH!


No use in calling, I wouldn't be too upset about it. Chase isn't going to get spooked over 1 INQ.

 




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Valued Contributor
ryanbush
Posts: 1,292
Registered: ‎08-19-2012

Re: BoA--SO ANNOYED

Also your inq from May 2012 won't fall off until May 2014, they stay on for 2 years.

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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: BoA--SO ANNOYED


ryanbush wrote:

Also your inq from May 2012 won't fall off until May 2014, they stay on for 2 years.


OP may be speaking from falling off of FICO scoring.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
CreditScholar
Posts: 2,277
Registered: ‎01-22-2012

Re: BoA--SO ANNOYED

Why do people not expect a HP for a CLI request? That should be a given for most lenders. If you get a SP take it as a good thing, but always expect a HP when asking for a CLI.

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Contributor
severine
Posts: 122
Registered: ‎08-19-2012

Re: BoA--SO ANNOYED

Thanks Credit Scholar! I've actually never had a HP from a B of A CLI before, but I appreciate your help.

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Valued Contributor
navigatethis12
Posts: 1,861
Registered: ‎01-24-2012

Re: BoA--SO ANNOYED

Most of the time it will say something about authorising them to obtain a copy of a credit report or review a credit report to process the request. You have no reason to be annoyed unless the page said it would only be a soft inquiry.

Contributor
severine
Posts: 122
Registered: ‎08-19-2012

Re: BoA--SO ANNOYED

[ Edited ]

I actually scoured the page and this verbiage did not appear anywhere, that's why I'm annoyed. But I've decided to get over it. One can obsess about these details a tad too much and not see the forest for the trees! Thanks for all your help everyone.:womanhappy:

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Valued Member
agent_bob
Posts: 47
Registered: ‎02-22-2013

Re: BoA--SO ANNOYED

This kind of relates to being annoyed with BofA, but has this happened to anybody?

 

You call the # on the back of your credit card & you get turned down because they're updating the computer systems.


I just called multiple times and I've heard numerous responses ranging from the computers updating and to call back in 4-8 hours later.

I tried searching it up on the boards, but I couldn't really find anything.


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Established Contributor
flowfaster
Posts: 785
Registered: ‎08-30-2011

Re: BoA--SO ANNOYED


agent_bob wrote:

This kind of relates to being annoyed with BofA, but has this happened to anybody?

 

You call the # on the back of your credit card & you get turned down because they're updating the computer systems.


I just called multiple times and I've heard numerous responses ranging from the computers updating and to call back in 4-8 hours later.

I tried searching it up on the boards, but I couldn't really find anything.


Hey Bob, here is a tip. Don't call the number on the back of your card.  Call the backdoor number and talk to a credit analyst or request online.

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