topic Re: Who does BOFA pull? in Credit Cards

Who does BOFA pull?

daisyduke — Thu, 30 Jul 2009 14:11:50 GMT

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.

Re: Who does BOFA pull?

cw81 — Thu, 30 Jul 2009 18:23:51 GMT

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

Re: Who does BOFA pull?

fused — Thu, 30 Jul 2009 18:27:42 GMT

When I apped with BoA, they pulled EX. I live Hawaii. Hopefully, some forum members from your neck of the woods will chime in.

Re: Who does BOFA pull?

Anonymous — Thu, 30 Jul 2009 18:31:05 GMT

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

Re: Who does BOFA pull?

daisyduke — Thu, 30 Jul 2009 20:06:37 GMT

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

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

Re: Who does BOFA pull?

Anonymous — Thu, 30 Jul 2009 21:35:42 GMT

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

Re: Who does BOFA pull?

daisyduke — Thu, 30 Jul 2009 21:10:39 GMT

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

Re: Who does BOFA pull?

Anonymous — Thu, 30 Jul 2009 21:27:08 GMT

EX in FL.

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 One of them is very out of date/unreliable anyway.

Re: Who does BOFA pull?

Anonymous — Thu, 30 Jul 2009 21:29:45 GMT

@Anonymous 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 .

Re: Who does BOFA pull?

Anonymous — Thu, 30 Jul 2009 21:37:46 GMT

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.

Re: Who does BOFA pull?

DI — Fri, 31 Jul 2009 01:40:04 GMT

Unofrtunately, Experian who BOA pulls

Re: Who does BOFA pull?

Anonymous — Fri, 31 Jul 2009 02:24:58 GMT

They pulled Equifax on me in Feb. - I live in NY.

Re: Who does BOFA pull?

armymom — Fri, 31 Jul 2009 04:11:50 GMT

They pulled EX when on me last October. I'm in Texas.