topic BOA inquiry Question? in Credit Cards

BOA inquiry Question?

Anonymous — Thu, 25 Sep 2008 23:10:11 GMT

So I applied last week for the BofA Platinum Student card. I called and was denied on Monday September 22, they pulled Experian and I had a hard inquiry, but last night I got an alert saying that BofA did a hard inquiry on my Transunion on the 23rd too! Why in the world would they do this? Any ideas?

I mean deny me and then pull another credit report the next day, seems a little crazy...

Message Edited by kl on 09-25-2008 04:10 PM

Re: BOA inquiry Question?

Anonymous — Fri, 26 Sep 2008 00:09:42 GMT

Bump

Re: BOA inquiry Question?

Anonymous — Fri, 26 Sep 2008 00:12:54 GMT

is your tu stronger? maybe give them a call. perhaps it's in response to your phone call? they may have thought you were asking for a recon, that they will pull for.

Re: BOA inquiry Question?

Anonymous — Fri, 26 Sep 2008 00:18:10 GMT

I applied online and got the "we need more time" response, I then called a week later to figure out what was going on, Well when I called they went over my Experian report with me and then quickly denied me because I didn't already have a credit card. I don't have a credit card on TU either. This was the day after they denied me over the phone. So I have no reason why they would pull TU after they denied me...

Re: BOA inquiry Question?

Anonymous — Fri, 26 Sep 2008 00:20:04 GMT

search the backdoor number thread and call an underwriter directly. good luck!

Re: BOA inquiry Question?

Anonymous — Fri, 26 Sep 2008 00:41:07 GMT

I've had credit card companies do that, pull one score then the next, probably to see if that score is any better.

Re: BOA inquiry Question?

Anonymous — Fri, 26 Sep 2008 00:51:09 GMT

Yeah I was just wondering because I thought that maybe they would have done that while I was on the phone with the CSR but I guess maybe it is possible that someone took a second look at it. I mean my TU is better than my Experian but they said the main reason for denial was no credit card accounts. I assume that looking at the TU won't change anything but there must have been some reason for them to look at it. I will wait a few days to see if I get a phone call or letter in the mail from them and if I don't then I will call them and ask about it.