topic Re: BoA app - which bureau if existing customer? in Credit Card Applications

BoA app - which bureau if existing customer?

expatCanuck — Thu, 08 Feb 2018 19:40:34 GMT

I'm a BoA customer (and have been for 18 years). Have their Travel Rewards card and am considering applying for their Cash Rewards card.

Anyone know if the bureau they pull changes if you're already a customer?

[I ask because my TU profile is in decent shape and can take the hit; EX, not so much.]

Re: BoA app - which bureau if existing customer?

FinStar — Thu, 08 Feb 2018 20:02:15 GMT

Although YEMV, and depending on region (or if primary CBR unavailable), BOA will still lean on EX for new applications regardless if an existing customer.

An alternative would be if you have an existing BOA CC and request a CLI (if eligible), which then TU is primarily used, then you can leverage the same TU pull for the new CC application. So as long as it's done within 30 days.

Re: BoA app - which bureau if existing customer?

Newbie2018 — Thu, 08 Feb 2018 20:19:09 GMT

Good info..
For me it's always been TU for my CLI

EQ for a new account

It may vary by region.

Re: BoA app - which bureau if existing customer?

Anonymous — Thu, 08 Feb 2018 20:20:00 GMT

wrote:
Although YEMV, and depending on region (or if primary CBR unavailable), BOA will still lean on EX for new applications regardless if an existing customer.

An alternative would be if you have an existing BOA CC and request a CLI (if eligible), which then TU is primarily used, then you can leverage the same TU pull for the new CC application. So as long as it's done within 30 days.

What FinStar said.