Reply
Regular Contributor
sammyfire2001
Posts: 227
Registered: ‎03-12-2008
0

Does using the prequalification form on BOA's website result in a hard inquiry ?

 
As of Jan 2009: EX - 659 EQ - 666 TU - 681

As of 2/13/09: EX - 648 (My last EX Fico)
Moderator Emeritus
cheddar
Posts: 6,794
Registered: ‎09-29-2007
0

Re: Does using the prequalification form on BOA's website result in a hard inquiry ?

Nope, it's a soft pull on EX.  Unless you actually accept one of the offers, then you'll get a hard pull, most likely also on EX, but possibly on EX and TU both, and very rarely on EQ.
 
----------------------------
App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. :smileysurprised: )
Valued Member
gamecock
Posts: 37
Registered: ‎03-16-2007
0

Re: Does using the prequalification form on BOA's website result in a hard inquiry ?

They pulled a soft on Equifax for the pre-qualification. (My Experian is frozen.) But they denied me on the real app since they couldn't get EX to pull a hard.
Established Contributor
beenthere
Posts: 971
Registered: ‎01-13-2008
0

Re: Does using the prequalification form on BOA's website result in a hard inquiry ?

What is a frozen Experian?
1-14-08....... TU=683, EQ=667, EX=666
7-04-08....... TU=688, EQ=678, EX=682.......
.......4 of my 5 cards and a new car later.
2/13/09 and forever EX 693
Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007
0

Re: Does using the prequalification form on BOA's website result in a hard inquiry ?



beenthere wrote:
What is a frozen Experian?


Many states allow you to do a credit freeze on your CR.
Senior Contributor
FretlessMayhem
Posts: 3,279
Registered: ‎08-03-2007
0

Re: Does using the prequalification form on BOA's website result in a hard inquiry ?

They soft me on EQ in VA.
Here we go again...

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+