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BofA CLI! And... a hard inq?

Established Contributor

BofA CLI! And... a hard inq?

So it's been almost a year since I last asked BofA for a CLI on my BofA Amex. Last cli was to 10k. Hit the luv button for a fairly modest 1k increase, automatically approved! But today I look on credit karma and my score's dropped, BofA hit me with a hard inq!

 

I know a hard inq is always possible, but I don't recall ever hearing of one from the luv button with BofA. It didn't even ask for more info or anything like that, just approved me.  One hard inq isn't terrible but it's annoying.Smiley Mad

 

Has this happened to anyone else?

Message 1 of 6
5 REPLIES
Moderator

Re: BofA CLI! And... a hard inq?


KingAdrock wrote:

So it's been almost a year since I last asked BofA for a CLI on my BofA Amex. Last cli was to 10k. Hit the luv button for a fairly modest 1k increase, automatically approved! But today I look on credit karma and my score's dropped, BofA hit me with a hard inq!

 

I know a hard inq is always possible, but I don't recall ever hearing of one from the luv button with BofA. It didn't even ask for more info or anything like that, just approved me.  One hard inq isn't terrible but it's annoying.Smiley Mad

 

Has this happened to anyone else?


Honestly I thought any customer-initiated CLI request with BOFA was a hard with the exceptions being once in a blue moon style events.

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


Take the myFICO Fitness Challenge
Message 2 of 6
Mega Contributor

Re: BofA CLI! And... a hard inq?

I always heard on here BofA CLI's were HP's too.



EQ FICO 548 3/3/16
Message 3 of 6
Valued Contributor

Re: BofA CLI! And... a hard inq?

BOA is ALWAYS a hard pull, although it wasn't as of a year ago.  

EQ Fico 8 - 846
TU Fico 8 - 848
EX Fico 8 - 836
Message 4 of 6
New Contributor

Re: BofA CLI! And... a hard inq?

As others have stated, BofA has recently changed their policy to hard pulls for consumer-initiated CLI requests.

 

They will usually pull TU, sometimes EQ, or both.

~~Credit Cards~~
Alliant Platinum Rewards Visa, AmEx BCP, BofA Power Rewards, Bank of the West Platinum, Barclay Rewards World MC, Chase Freedom/Chase Sapphire Preferred, Citi Thank You Preferred/Citi Dividend Select, Discover IT, FNBOmaha, Paypal MC, US Bank Cash+/US Bank Perks+.

Total: $300,000+ in lines.
Message 5 of 6
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Established Contributor

Re: BofA CLI! And... a hard inq?


OwNt wrote:

As others have stated, BofA has recently changed their policy to hard pulls for consumer-initiated CLI requests.

 

They will usually pull TU, sometimes EQ, or both.


I must have missed that. I've never gotten a hard pull from them since I app'd for the card. Smiley Sad I guess my bi-annual CLI request isn't happening anymore.

Message 6 of 6