Credit Card Center Advertiser Disclosure

Established Contributor
Posts: 504
Registered: ‎03-27-2009
0 Kudos

Help with Bank of America and Credit Pull

I posted this in the BofA sucks thread but thought people may be able to give me some more feedback here.  Any suggestions of what I should do are greatly appreciated


ust on a little rant here.


My DH has a BofA card that they closed a year ago when he got 4 months behind on payments.  I have now brought it more than up to date - (Balance then was $9000 (with a 7000 limit - argh) now it's down to $4603)


We call them this morning and ask i there is any way to have this card reopened or to negotiate a better interest rate now that he has been paying for a year - she tells me I would need to answer some questions such as income and rent payments (which I did) I was expecting more questions but then she tells me to call back monday for a decision.


"Wait", I say, "this isn't going to be a new credit check is it, you get soft pulls each month as it is"


I get told of course it is and that it has already gone through.  I said to her that I had explained that I was trying to improve credit and wanted to find out what the options were and how was a hard pull going to help on that - at this point she tells me it was very obvious that a pull would be made and that by answering two questions i had agreed to this (the income and rent ones) as I KNEW that this was reapplying for the account to be opened.  I told her then that I knew no such thing (I hadn't asked to reopen it I just asked whether that was something that they had an option for) - that a credit check was not mentioned by her at all... she tells me that I have to KNOW that this will happen that there was no way that was not implied.....




Yeah I will be writing a complaint letter  

Moderator Emerita
Posts: 3,090
Registered: ‎08-09-2008
0 Kudos

Re: Help with Bank of America and Credit Pull

Call one of the BoA backdoor numbers and ask to speak to a credit analyst. Explain the situation, as you did here, and ask them to recode it as a soft, as you were not informed that there would be a hard pull, if you were just inquiring into your options.


If that doesn't work, try PlanetFeedback. Shaming them into submission sometimes works.


Good luck!


Friendly, Supportive & Respectful

Understanding Your FICO Score  |  Credit Scoring 101  |  Common Abbreviations  |  FTC: FCRA Links  |  FTC: FDCPA Links  |  Opt-Out  |  State Resources

"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† 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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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

IMPORTANT INFORMATION: All FICO® Score products made available on 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.