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Established Contributor
KingAdrock
Posts: 655
Registered: ‎07-17-2007

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.:smileymad:

 

Has this happened to anyone else?

Until they officially renounce financial reviews, I won't touch Amex with a thirty nine and a half foot pole.
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Revelate
Posts: 6,767
Registered: ‎12-30-2011

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.:smileymad:

 

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 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 672, Wally TU 686, EX 702 (04/14)
Goal Score: 700 in all three (01/01/15)


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

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

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



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Valued Contributor
android01
Posts: 1,186
Registered: ‎09-22-2009

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

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

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New Contributor
OwNt
Posts: 61
Registered: ‎10-07-2007

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.

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Established Contributor
KingAdrock
Posts: 655
Registered: ‎07-17-2007

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. :smileysad: I guess my bi-annual CLI request isn't happening anymore.

Until they officially renounce financial reviews, I won't touch Amex with a thirty nine and a half foot pole.

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