Reply
Established Contributor
laboi_22
Posts: 634
Registered: ‎07-07-2011
0

BofA CLI/AMEX CLI

Just wanted to share. As long as I've been a customer of BofA I've always requested CLIs with only SPs. I just took advantage of an offer for low APR till June 2013 and I purchased some new furniture. In order to assist with my UTL unitl that balance has paid, I requested a CLI. I was approved for an additional 5,000 brining my total up to 15,000 however they HP TU. I was shocked!!

 

Also on my 61 day CLI with AMEX, I called a requested a CLI through the automated system. They said I needed to call in. I called in. They had to verify additional information since I have some sort of fraud alert that I did not place on my report. After I was approved for 6,000 a 3X CLI. I just noticed that they did a HP on ALL 3 CRA!!!!!!! Wow shocked again.!!

Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000
Frequent Contributor
OptimasPrime
Posts: 348
Registered: ‎08-17-2012
0

Re: BofA CLI/AMEX CLI

[ Edited ]

laboi_22 wrote:

Just wanted to share. As long as I've been a customer of BofA I've always requested CLIs with only SPs. I just took advantage of an offer for low APR till June 2013 and I purchased some new furniture. In order to assist with my UTL unitl that balance has paid, I requested a CLI. I was approved for an additional 5,000 brining my total up to 15,000 however they HP TU. I was shocked!!

 

Also on my 61 day CLI with AMEX, I called a requested a CLI through the automated system. They said I needed to call in. I called in. They had to verify additional information since I have some sort of fraud alert that I did not place on my report. After I was approved for 6,000 a 3X CLI. I just noticed that they did a HP on ALL 3 CRA!!!!!!! Wow shocked again.!!



That is unprecedented. I mean I've heard of amex pulling all three cra's for an actual application (if borderline) but I've never heard of them doing even 1 hp for a cli, let alone 3. 

Could it be because of the fraud alert?

EQ 778 | TU 776
Barclay US Airways WMC 7.5k | BCE 5.8k | BofA Travel Rewards 9.1k | Chase Marriott Premier 13k | Citi TYP WMC 6.5k | Freedom Visa Sig 8k| Discover it 10k
Established Contributor
laboi_22
Posts: 634
Registered: ‎07-07-2011
0

Re: BofA CLI/AMEX CLI

I'm assuming because I had to call in to verify additional information, they did a HP which might be expected. I don't know why they would do all 3. I confirmed it on all my CRAs recently when I pulled my free annual reports. They didn't even pull all 3 to approve me! This was on my BCE

Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000
Frequent Contributor
OptimasPrime
Posts: 348
Registered: ‎08-17-2012
0

Re: BofA CLI/AMEX CLI


laboi_22 wrote:

I'm assuming because I had to call in to verify additional information, they did a HP which might be expected. I don't know why they would do all 3. I confirmed it on all my CRAs recently when I pulled my free annual reports. They didn't even pull all 3 to approve me! This was on my BCE


It doesn't make much sense to me. You would think that amex could verify identity by softing you, and even that doesn't explain why they would pull all three.

EQ 778 | TU 776
Barclay US Airways WMC 7.5k | BCE 5.8k | BofA Travel Rewards 9.1k | Chase Marriott Premier 13k | Citi TYP WMC 6.5k | Freedom Visa Sig 8k| Discover it 10k
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: BofA CLI/AMEX CLI


laboi_22 wrote:

Just wanted to share. As long as I've been a customer of BofA I've always requested CLIs with only SPs. I just took advantage of an offer for low APR till June 2013 and I purchased some new furniture. In order to assist with my UTL unitl that balance has paid, I requested a CLI. I was approved for an additional 5,000 brining my total up to 15,000 however they HP TU. I was shocked!!

 

Also on my 61 day CLI with AMEX, I called a requested a CLI through the automated system. They said I needed to call in. I called in. They had to verify additional information since I have some sort of fraud alert that I did not place on my report. After I was approved for 6,000 a 3X CLI. I just noticed that they did a HP on ALL 3 CRA!!!!!!! Wow shocked again.!!


Wow.....

 

AMEX is not known for the HP CLI's. I'd freeze your reports for future requests.

 




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

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+