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Valued Contributor
daisyduke
Posts: 1,320
Registered: ‎04-18-2009

Who does BOFA pull?

I live outside of Philadelphia. I am thinking about adding a secured card  using BOFA. I am wonder which report they would use. My Tu is like out of control with stupid inquiries...EQ has none. EX has 2.

 

Please let me know and thanks.


Starting Score: 682 EQ, 663 TU
Current Score: 687 EQ - 705 TU on 7/18/10
Goal Score: 700 + both EQ and TU


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Frequent Contributor
cw81
Posts: 273
Registered: ‎06-30-2008

Re: Who does BOFA pull?

Bofa  normally pulls  EX  and   they pull  TU to unsecure  cards and  give  CLIs    that has been my experience and  also   what I have observed from anecdotal  evidence on the boards
Moderator Emeritus
fused
Posts: 16,166
Registered: ‎03-12-2007

Re: Who does BOFA pull?

When I apped with BoA, they pulled EX. I live Hawaii. Hopefully, some forum members from your neck of the woods will chime in.
Regular Contributor
ma_fico
Posts: 137
Registered: ‎05-14-2007

Re: Who does BOFA pull?

I'd guess an EX pull, but you never know... (I'm in SE PA as well)

Valued Contributor
daisyduke
Posts: 1,320
Registered: ‎04-18-2009

Re: Who does BOFA pull?

Hawaii. How nice. Where the heck did I go wrong! :smileysad:  I live in the City of Brotherly SHOVE! :smileyhappy:

 

I can't imagine being declined for a secured card...i just didn't want that pesky inquiry....


Starting Score: 682 EQ, 663 TU
Current Score: 687 EQ - 705 TU on 7/18/10
Goal Score: 700 + both EQ and TU


Take the FICO Fitness Challenge
Moderator Emeritus
beamMEup
Posts: 4,473
Registered: ‎12-31-2008

Re: Who does BOFA pull?

[ Edited ]

Well, I live in Utah - here they pulled Equifax. 

 

(Edited to remove specific websites - sorry -- I thought I learned about them here.)  Maybe Google for more info on which CRA's are pulled by different CC's as well - every bit of dependable info is helpful.

 

Hope I'm not in trouble (often happens, but usually for giving candy to my cute grandchildren) (before dinner).

 

DH was approved for $4,000 CL, decreased to $500 when checked on available increase (before card arrived).  He actually has done well with Kroger ($6,000 to $10,000) and CareCredit ($8,000 to $11,500) making the same phone call.  BofA behaved very differently than the other chaps.  Hope I like these guys.  And hope you do, too, if you app.

Message Edited by beamMEup on 07-30-2009 03:35 PM
Just puttin' syrup on something, don't make it pancakes.
Valued Contributor
daisyduke
Posts: 1,320
Registered: ‎04-18-2009

Re: Who does BOFA pull?

Thank you. I checked that site the other day. and now i can't remember!! I need some of that candy you speak of!! :smileyhappy:

Starting Score: 682 EQ, 663 TU
Current Score: 687 EQ - 705 TU on 7/18/10
Goal Score: 700 + both EQ and TU


Take the FICO Fitness Challenge
Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009

Re: Who does BOFA pull?

EX in FL.

 

No, you're not supposed to mention those two sites. One of them is very out of date/unreliable anyway.

Moderator Emeritus
beamMEup
Posts: 4,473
Registered: ‎12-31-2008

Re: Who does BOFA pull?


creditwherecreditisdue wrote:

EX in FL.

 

No, you're not supposed to mention those two sites. One of them is very out of date/unreliable anyway.


 

Oh!  I'll edit my post immediately.  Even the out of date one has been somewhat helpful to me :smileywink:.
Just puttin' syrup on something, don't make it pancakes.
Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009

Re: Who does BOFA pull?

The problem with the out of date stuff is that it is highly unreliable. You can use "WGMC" or "CB" and that's about it. No URL's or links for those two.

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