https://ficoforums.myfico.com/t5/Credit-Cards/Bank-of-American-CLI-request-HP-or-SP/m-p/6848394#M1894614 <P>It's a SP and you don't need to unlock anything.&nbsp;</P> Thu, 27 Nov 2025 23:05:40 GMT JoeRockhead 2025-11-27T23:05:40Z https://ficoforums.myfico.com/t5/Credit-Cards/Bank-of-American-CLI-request-HP-or-SP/m-p/6848390#M1894612 <P>Can't remember.</P><P>&nbsp;</P><P>I've got a balance transfer offer on my BofA card... just paid the balance to zero, and I'll wait for the statement to cut... I'm debating asking for a credit line increase BEFORE I do another balance transfer.</P><P>&nbsp;</P><P>Do I need to unlock Experian before I ask?&nbsp; HP or SP?</P><P>&nbsp;</P><P>Please and thank you.</P> Thu, 27 Nov 2025 20:27:09 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Bank-of-American-CLI-request-HP-or-SP/m-p/6848390#M1894612 tcbofade 2025-11-27T20:27:09Z https://ficoforums.myfico.com/t5/Credit-Cards/Bank-of-American-CLI-request-HP-or-SP/m-p/6848392#M1894613 <P>Every increase I've asked for has always been a SP. Not sure which report they pull. Hope this helps!</P> Thu, 27 Nov 2025 21:44:22 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Bank-of-American-CLI-request-HP-or-SP/m-p/6848392#M1894613 Credit_Aficionado 2025-11-27T21:44:22Z https://ficoforums.myfico.com/t5/Credit-Cards/Bank-of-American-CLI-request-HP-or-SP/m-p/6848394#M1894614 <P>It's a SP and you don't need to unlock anything.&nbsp;</P> Thu, 27 Nov 2025 23:05:40 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Bank-of-American-CLI-request-HP-or-SP/m-p/6848394#M1894614 JoeRockhead 2025-11-27T23:05:40Z