I'll post this update under "business credit" as well but thought I should update here since I started the "woo" thread.
Approved today for a BofA "Business Cash Rewards" card. CL of $7500! Pulled TU.
The noteworthy backstory: took my fresh new scores (all but TU had updated, still showing only a 690 today) and headed out into the market. First stop: Chase. You're right, they won't do a CLI without hard pull. Next stop: BofA, expecting they pull from EX and that I could get one hard pull for a CLI on the personal card as well as apply for new Biz card.
Applied over the phone since the online app asks for a Tax ID #, etc. CS told me they have different req's over the phone than online. Applying via phone, you can apply as "sole proprietorship" which basically means it's in my name/SSN, although they ask questions about my business (I have a very small side business). After completing the app, she directed me to a CA. Answered some more questions and was approved at 7500 CL.
The interesting part is they pulled TU and it was 60-80 points less than the other two as it still showed a high Chase balance. He mentioned this and I told him it's paid and can prove it. He said "I believe you based on your payment activity and the fact that you offered the proof. The $7500 CL takes that into consideration, which is the most I could offer anyway based on your other open accounts, history and CL's."
All that work and proudness of the new scores and he pulled the one that hadn't updated! But, got a pretty nice one anyway! Oh, but he said they would need to do two hard pulls to include the personal card CLI req. I think I'll wait a bit and give that a try.
