topic Re: BANK OF AMERICA in Credit Cards

BANK OF AMERICA

Anonymous — Sat, 02 Jan 2010 21:21:36 GMT

I checked their pre-approval site and had three offers. I've been trying for years now.

Does anyone know which fico score they pull.

thanks

Re: BANK OF AMERICA

DI — Sat, 02 Jan 2010 21:24:48 GMT

@Anonymous wrote:
I checked their pre-approval site and had three offers. I've been trying for years now.

Does anyone know which fico score they pull.

thanks

Congrats! Experian

Re: BANK OF AMERICA

Anonymous — Sat, 02 Jan 2010 22:06:38 GMT

They pulled Experian and Trans Union (two weeks later) on me,

Re: BANK OF AMERICA

Anonymous — Sun, 03 Jan 2010 07:37:35 GMT

EX for me in FL. What were the three cards?

Re: BANK OF AMERICA

Anonymous — Sun, 03 Jan 2010 09:52:24 GMT

Their preapproval form says they pull CB data. Does this count as an inquiry?

it says it is not a credit application?

Re: BANK OF AMERICA

Anonymous — Sun, 03 Jan 2010 12:23:12 GMT

cpacfp wrote:
Their preapproval form says they pull CB data. Does this count as an inquiry?
it says it is not a credit application?

On their pre-approval form, they "soft" your credit report(s). Which means, it's not the type of inquiry that others can see = does not count as a hard inquiry.

Re: BANK OF AMERICA

Anonymous — Sun, 03 Jan 2010 17:52:40 GMT

We're talking about the webpage found here:

https://preapproved.bankofamerica.com/cc/SelfInquiry.aspx

where it states the following:

"Please note: This is not an application for a credit card and we will not use the information that you provide us for any other purpose."

Use of this preapp form is always either a soft or a "no INQ" process,

If you select one of the products presented after you submit the form (if any) and continue the process further it will become a credit app and you will be hard INQ'ed.

Re: BANK OF AMERICA

Anonymous — Sun, 03 Jan 2010 21:17:06 GMT

Thanks, Lil and due...I may try it now.