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Valued Contributor
nyccc2
Posts: 1,195
Registered: ‎12-13-2007
0

Why does BOA even HAVE online live help???

I asked what kinds of scores they generally looked for before I applied and got this;

"We will not know if you are approved until you submit your application. The decision is based on your credit history as well as the application information you provide."
MyFico Scores (TU/Exp/Efx):

11/02/08 696 / 695/ 737- 5/4/08: 667 / 703 / 668 - 11/07 Low 500s All (Fako)
Established Contributor
aftermath
Posts: 519
Registered: ‎05-09-2008
0

Re: Why does BOA even HAVE online live help???



nyccc2 wrote:
I asked what kinds of scores they generally looked for before I applied and got this;

"We will not know if you are approved until you submit your application. The decision is based on your credit history as well as the application information you provide."

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Established Contributor
PurpleHaze
Posts: 717
Registered: ‎03-05-2008
0

Re: Why does BOA even HAVE online live help???

           That is all the online reps can (and or will) commit to saying.  If they say a certain score (which you have) and then you get denied ... well you know what happens from there.  Plus, people can have higher scores with derogs and negative imformation on their report. What I can tell you is if for some reason you get denied, they are pretty easy to reconn with. I was approved on my first reconn call - others have had to call back 2-3 times. However, it does work with BofA.

nyccc2 wrote:
I asked what kinds of scores they generally looked for before I applied and got this;

"We will not know if you are approved until you submit your application. The decision is based on your credit history as well as the application information you provide."



Starting Score: EQ: 633 (12/31/09) TU: 651 (12/31/09)
Current Score: EQ:633 TU: 651
Goal Score: EQ: 700 TU:700


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Regular Contributor
akhan
Posts: 164
Registered: ‎10-28-2007
0

Re: Why does BOA even HAVE online live help???

haha I was opening a checking account for the free $75 bonus and asked if it was a hard or soft pull and all I got from the online people was "we access your credit profile when opening an account"

information overload for us lol
Regular Contributor
ChaoticKinesis
Posts: 238
Registered: ‎08-31-2007
0

Re: Why does BOA even HAVE online live help???



akhan wrote:
haha I was opening a checking account for the free $75 bonus and asked if it was a hard or soft pull and all I got from the online people was "we access your credit profile when opening an account"

information overload for us lol


Not sure if you already opened the account or not, but they only do a soft pull.
Senior Contributor
FretlessMayhem
Posts: 3,279
Registered: ‎08-03-2007
0

Re: Why does BOA even HAVE online live help???

I don't think the chat is with an actual person. I think it is keyword recognition software. That's why it can paste a 4 paragraph response to something in less than a second.
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