Moderator
Revelate
Posts: 8,478
Registered: ‎12-30-2011
Re: BOA CLI query

Welcome to the forums!

 

Honestly it's impossible to know until you request it.  It is highly dependant on how you've used the cards historically in terms of amount of spend through the cards and possibly even what the money was spent on... to say nothing as to where the individual lender in question happens to be in terms of underwriting.  In general, BOFA appears to be granting CLI's fairly frequently to long-term customers at this point, so I would suggest it's worthwhile to ask if you're willing to take the inquiry on your Transunion (TU) report.

 

I'm also uncertain how requesting a CLI on two cards from BOFA would work out; however, others may have more direct experience in that one when it comes to BOFA underwriting.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 708, TU 711, EX 702* (07/14/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge