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

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: 3,091
Registered: ‎08-09-2008

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

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+