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DOES BOA PULL TWO CREDIT REPORTS NOW?

Frequent Contributor

DOES BOA PULL TWO CREDIT REPORTS NOW?

I applied for a boa cc last saturday and they pulled exp. I didn't get an instant approval, so I was told to call on Monday for instant decision. They approved me for 10k, but I just noticed that they pull hard on tu again. I always thought it was cap1 and discover that pull more than one. Just wanted to share this with folks considering a boa cc. My exp score was 760 from mortgage pull last month, and my tu was 781. Tu had zero inq and exp had 4. I am thankful they did not pull eq which has 11 and my lowest scre at 734.

Message 1 of 7
6 REPLIES
Senior Contributor

Re: DOES BOA PULL TWO CREDIT REPORTS NOW?

Pulled 2 on me about 5 mos ago....declined for the 2nd time!  Smiley Mad   Never again.


Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 04/2017 TU 754 - EQ 757 - EX 747
Goal Score: 850

Bury me in the garden...last app 08.09.15

Message 2 of 7
Senior Contributor

Re: DOES BOA PULL TWO CREDIT REPORTS NOW?

Friend did the pre-app site and was offered 3 cards....he accepted....only got hard pull on EQ in Texas.

 

 

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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Message 3 of 7
Contributor

Re: DOES BOA PULL TWO CREDIT REPORTS NOW?

BoA pulled 2 on me back in April of this year.
Message 4 of 7
Highlighted
Established Contributor

Re: DOES BOA PULL TWO CREDIT REPORTS NOW?

Same here pulled EX and TU.
Message 5 of 7
Frequent Contributor

Re: DOES BOA PULL TWO CREDIT REPORTS NOW?

I think I read that they soft EQ for the pre-app, but hard pull anything for the real app.

 

I have played with the pre-app and got up to $3,500 offered and I see PRM inquiries on EQ.

 

How accurate is the amount of the pre-approval with the real offer? What is the most anyone has seen "pre-offered"?

 

 

 

"Knowledge is of no value unless you put it into practice."- Anton Chekhov
4/11 TU 743 4/11 EQ 763
Message 6 of 7
Regular Contributor

Re: DOES BOA PULL TWO CREDIT REPORTS NOW?


jaysdad2k wrote:

I think I read that they soft EQ for the pre-app, but hard pull anything for the real app.

 

 


pre-approval sites should be softs, yes -- unless you go through with an actual application.

 

i'm reading the OP as having actually gone through a real application, not a pre-approval;  what happened to you happened to me, OP - last year.   Only I wasn't calling for a recon, I was just calling to find out the status. I'm glad you got an approval.

Message 7 of 7