Reply
Contributor
Posts: 86
Registered: ‎06-07-2009
0

BofA luv button...

used the button, then got the message:  call the 180#######........i didn't .a day later they called me!!

had to answer a few questions about income ,savings, what do i need the increase for

....then ok + $3000. for a moment i thought they were gonna cld me. i promise i wont hit that button again till 2011. 

Contributor
Posts: 86
Registered: ‎06-07-2009
0

Re: BofA luv button...

one more thing they softed all 3 cb   :smileysurprised:
Frequent Contributor
Posts: 498
Registered: ‎01-29-2009
0

Re: BofA luv button...

same thing happened to me last month .. well except i only got +1k :smileyhappy: hehe but i got the message to call and didnt and sure enough they called me.

Starting Score: 680
Current Score: 761 From 12/11/2013
Goal Score: 800


Contributor
Posts: 86
Registered: ‎06-07-2009
0

Re: BofA luv button...

[ Edited ]
i m just glad i was not hit with a cld, my card is only 13 months old started with $800  now 11k
Message Edited by boamacy on 12-30-2009 04:30 PM
Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007
0

Re: BofA luv button...

Good heads up for those shopping for CLI's --if you're going to peep over the edge of your trench, you'd better make sure that all your reports are as good as you can get them! You never know what they're going to check.

At least they're still doing softs for customer-requested CLI's instead of hards, as does Chase. :smileytongue:
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Contributor
Posts: 86
Registered: ‎06-07-2009
0

Re: BofA luv button...

I agree, just to be more precise, EX was softed the day I hit the luv button, EQ & TU were softed the day I received the call.
Senior Contributor
Posts: 4,923
Registered: ‎04-19-2009
0

Re: BofA luv button...

I posted this beforeand I will now again:

Per my conversation with a BofA credit analyst at the current time all CLI requests made via the "Luv Button" are either: 1) denied or 2) get the "phone in" message. There are currently no computer granted increases.

For a while they were acting on some of the increase requests when you did not call them without calling you. It is possible that they now have a policy of calling you when you do not call them. The point is that if you complete a "Luv Button" CLI request with BofA at this time a credit analyst's eyeballs will be perusing your account/credit info. It's best to be sure you have every i dotted and t crossed before you ask for a CLI - some have ended up with a CLD, or worse an account closure, for their efforts!

Contributor
Posts: 86
Registered: ‎06-07-2009
0

Re: BofA luv button...

I checked my reports this morning and EX is already reporting the new CL, that was quick ! :smileyvery-happy:

this is my first card ever with a  cl > 10k it s something to me, since my whole credit history is only 13 months.

This forum rocks, thanks everyone.

Moderator
Posts: 16,071
Registered: ‎07-14-2009
0

Re: BofA luv button...


creditwherecreditisdue wrote:

I posted this beforeand I will now again:

Per my conversation with a BofA credit analyst at the current time all CLI requests made via the "Luv Button" are either: 1) denied or 2) get the "phone in" message. There are currently no computer granted increases.

For a while they were acting on some of the increase requests when you did not call them without calling you. It is possible that they now have a policy of calling you when you do not call them. The point is that if you complete a "Luv Button" CLI request with BofA at this time a credit analyst's eyeballs will be perusing your account/credit info. It's best to be sure you have every i dotted and t crossed before you ask for a CLI - some have ended up with a CLD, or worse an account closure, for their efforts!


That's the exact reason I won't disturb either of my BoA cards for a good long while.

 

Out of sight out of mind.  :smileyhappy:

Frequent Contributor
Posts: 498
Registered: ‎01-29-2009
0

Re: BofA luv button...

not me while i would hate to lose the 3.5k CL .. Im going to keep pushing my luck every 3 to 6 months and hit that darn button :smileyhappy:

Starting Score: 680
Current Score: 761 From 12/11/2013
Goal Score: 800


Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.