cancel
Showing results for 
Search instead for 
Did you mean: 

BofA pre-approval ??

tag
jaxstraw
Valued Contributor

BofA pre-approval ??

Has anyone ever been pre-approved from BofA's website link and then denied credit card ?? I went to their website and filled out the pre-approved offers and three cards came back with a 3000CL each. I understand that they only do a soft pull for that offer. I went ahead and applied and am going to have to wait for up to 10 days for an answer. I'm just wondering because my experiences with pre-approval by mail have ended with some diappointments in the past. I'm wondering if the web is any different in anybody's experience. Thanks
FICO'S
EX 648
EQ 726
TU 690

Message Edited by jaxstraw on 04-10-2008 06:25 PM
Jax

*************************************************************************************
Then you are a fool. Be thankful that when God gave you a face, he gave you a fool's face
Message 1 of 10
9 REPLIES 9
Anonymous
Not applicable

Re: BofA pre-approval ??

I don't know about via the pre-approval link, but I've certainly filled out applications at BofA, received the 'We'll notify you in the mail' response, and ended up being approved.
Message 2 of 10
Anonymous
Not applicable

Re: BofA pre-approval ??

I also am waiting for a response from BofA.  Applied for the platinum Visa, and figured I would be turned down, but maybe get an offer for the 99/500.  Here it is a week later, and I still have no idea what the status is.  The good news is they checked my Experian, and my FAKO with them is 681.  Thought they would pull Equifax, where I have a FAKO of 650. 
 
It's just like they say, the waiting is the hardest part!!
 
Let me know if you get an approval!
Good Luck!
Lisa
Message 3 of 10
Anonymous
Not applicable

Re: BofA pre-approval ??

Good luck!  I had preapprovals online and got instant approval when I apped last night.  There's a first time for everything, but I've never heard of anyone actually being denied after getting an online preapproval from BofA.
Message 4 of 10
jaxstraw
Valued Contributor

Re: BofA pre-approval ??

Hi Lisa,

I had to pull my Experian report today (one of my cards is being errantly reported lost or stolen) and on the report was the B of A card !!!
I haven't even received it in the mail yet and only applied two days ago.
$3000 cl
YAHOOOOO
Good luck.

FICO'S
EX 653
EQ 726
TU 690

Message Edited by jaxstraw on 04-11-2008 02:56 PM
Jax

*************************************************************************************
Then you are a fool. Be thankful that when God gave you a face, he gave you a fool's face
Message 5 of 10
Anonymous
Not applicable

Re: BofA pre-approval ??



jaxstraw wrote:
Hi Lisa,

I had to pull my Experian report today (one of my cards is being errantly reported lost or stolen) and on the report was the B of A card !!!
I haven't even received it in the mail yet and only applied two days ago.
$3000 cl
YAHOOOOO
Good luck.

FICO'S
EX 653
EQ 726
TU 690

Message Edited by jaxstraw on 04-11-2008 02:56 PM

Me too!  I was approved for BofA Amex two days ago and it showed up on my EX today.  They are fast.
 
Message 6 of 10
Anonymous
Not applicable

Re: BofA pre-approval ??

Hey Jax!
 
Congratulations!  I hope my outcome is similar.  Applied 4/2, saw the inquiry on my credit report from 4/2, but still waiting!  Called the CC CS #, and the recording told me to call back after it had been 10 business days.  AAAAHHHHH!  I think I'll go crazy waiting on BofA!
 
I'll let you know when I get some answers.....
 
Thanks for the update...
Lisa
Message 7 of 10
bott6698
Established Contributor

Re: BofA pre-approval ??

Jax, You must be kidding if you think a possible denial would be in your future on BOA. With your scores I am sure you will be approved.
10/11/2017 EQ 640 TU 639 EX 652 12/10/2016 EQ 621 TU 607 EX 626 10/10/16 EQ566 TU591 EX 587
01/31/2008 EX 502 EQ 466 TU 481
3/14/2008 EX 578 EQ 539 TU 543
4/16/2008 EX 622 EQ 532 TU 578
5/19/2008 EX 604 EQ 591 TU 592
1/1/2009 EQ 625 EX 576 TU 569
02/13/2009 EQ 648 EX 617 TU 590
09/28/2009 EQ 568 TU 591
Thanks to all Fico supporters for your encouragement and advice
Message 8 of 10
jaxstraw
Valued Contributor

Re: BofA pre-approval ??

Thanks,
I'm just still thinking like my scores are in the mid 500's like they were for years.
This all started with a $200 secured card in 9/07. Not long ago really. Seven months.
I went after every negative on all three reports like a pit bull. Maybe 20-25 disputes and GW's a month - every month. Over 7 months have had all removed except two and they are reporting paid or current at least , and I'm still after those. 150 to 200 increase in my scores across the board. I even go after inquiries when denied a card now. Works about 75% of the time.
Just still think I'll get a denial every time.
Thanks for the kind words and encouragement.

Message Edited by jaxstraw on 04-12-2008 03:20 AM
Jax

*************************************************************************************
Then you are a fool. Be thankful that when God gave you a face, he gave you a fool's face
Message 9 of 10
pattycake
Established Contributor

Re: BofA pre-approval ??

I got that same offer - 0% interest for 12 months on balance transfers, cash advances, etc. I got the 30 day message.
pattycake's FICOs: 6/2/10 - TU: 708; EX: ???; EQ: 749
Message 10 of 10
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.