BofA CLI

[BrokaToe]

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@Anonymous wrote:

it seems like BofA changed the way they process the CLI requests. Today I applied for CLI on my online banking and they just approved me without asking to call them. In the past they were always asking me to call them and talk with a credit analyst.

My CL was 2k and I request 7k, they gave me 4.4k.

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Even if it were a HP, still a nice increase, congrats!

[clocktick]

Congrats on your CLI!  I wouldn't worry about the inquiry at all - it happens, it fades, it disappears.  Nice job though!

[Anonymous]

it was a hard pull from TU

[Revelate]

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@Braydon wrote:

BOfA CLI was a HP guys. Per Credit Karma

Lender:   Industry: Inquiry Date: Status:

1. BK OF AMER

Bank

Jun 9, 2012

Added

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Possibly stupid question; however, where are you seeing specifics on CK with regards to inquiries like that?

I dug through the interface just now and couldn't get a list of what the 9 inquiries are on my TU (I know they're almost all auto-related and a C1 inquiry from my TU report from here) but I couldn't find a breakdown of what they specifically were.  Was this just a popup in their credit update interface on how your score changed from last update?

Many thanks!

[Anonymous]

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@Revelate wrote:

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@Braydon wrote:

BOfA CLI was a HP guys. Per Credit Karma

Lender:   Industry: Inquiry Date: Status:

1. BK OF AMER

Bank

Jun 9, 2012

Added

---

Possibly stupid question; however, where are you seeing specifics on CK with regards to inquiries like that?

I dug through the interface just now and couldn't get a list of what the 9 inquiries are on my TU (I know they're almost all auto-related and a C1 inquiry from my TU report from here) but I couldn't find a breakdown of what they specifically were.  Was this just a popup in their credit update interface on how your score changed from last update?

Many thanks!

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After updating your score, if there is any new inquiries it will show you the lender and the date of inquiry. It will not give you details of old ones, just the ones that added between the two score updates.

[jcx808]

I just hit the CLI button and got the written decision will be mailed out in 3-5 days.  Does this mean I got denied?

[Braydon]

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 When I called the CSR she told me they either (1) approve you (2) Ask you to call in or (3) send you a letter. I asked if the letter means decline and she told me yes but then again she also told me my CLI request was a soft pull and that was not true. I hope you fair better than I did Good Luck!!

 EQ 705 FICO TU 733 FICO EX 737 FAKO 5-3-12

[Revelate]

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@jcx808 wrote:

I just hit the CLI button and got the written decision will be mailed out in 3-5 days.  Does this mean I got denied?

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Another theory: BOFA doesn't work on Sundays.  You didn't get auto-approved, but you also weren't auto-denied.  That's all you can really read into this message I think.