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

Regular Contributor

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)
Message 1 of 6
5 REPLIES
Moderator Emeritus

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. Smiley Surprised )
Message 2 of 6
Valued Member

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.
Message 3 of 6
Established Contributor

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
Message 4 of 6
Moderator Emeritus

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.
Message 5 of 6
Senior Contributor

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...
Message 6 of 6