@jackg wrote:
Karatz,
Which CRA did they pull?
I used the luv button in Jul and got the "call in" message, which I did. The analyst told me everybody gets the call in message or an immediate denial these days. I just reviewed the info I had entered and was increased from $3.5K to $7.5K. Unless BofA explicitly tells you they are going to require a hard pull this is done on a soft. On a previous occasion a credit analyst told me they rarely hard pull for a CLI unless you are asking too often. In my case it looks like they softed EX at the time of my luv button request. They softed TU the next month for AR. That is the only INQ I show on TU for BofA in two years. This particular credit analyst did a good job of trying to qualify me for the highest possible CLI. I also PC'ed from Amex Cash Rewards to Amex Accelerated Cash Rewards at the same time. I am still waiting for the dust to settle on that deal.
BTW - My account was not PIF at the time of my request. For timing purposes I had to make the request before I could PIF. I am about to PIF the account now for the first time since it was opened in April 2008. The only transaction I have ever run through it was a BT at application time.
