topic Re: BofA hard 2nd Hard Pull in Credit Cards

BofA hard 2nd Hard Pull

Anonymous — Mon, 10 Mar 2008 17:33:38 GMT

GM All,

I applied to BOA last week. They pulled hard from Ex (my lowest score). I was denied. I pulled my report today and I see another hard pull from BOA (that was pulled today). This time they pulled TU. Does anyone know why this would happen?

WBLAKE

Re: BofA hard 2nd Hard Pull

Anonymous — Mon, 10 Mar 2008 17:43:50 GMT

Did you ask for a RECON?

IF you haven't I would-

WBLAKE wrote:

GM All,

I applied to BOA last week. They pulled hard from Ex (my lowest score). I was denied. I pulled my report today and I see another hard pull from BOA (that was pulled today). This time they pulled TU. Does anyone know why this would happen?

WBLAKE

Re: BofA hard 2nd Hard Pull

Red1Blue — Mon, 10 Mar 2008 17:45:13 GMT

BOA seems to do quite a few pulls. When I applied for 99/500 card it costed me 3 hard inq's on my EX.

Re: BofA hard 2nd Hard Pull

Anonymous — Mon, 10 Mar 2008 17:48:14 GMT

I have heard from others that BofA has begun pulling both EX and TU as part of their standard practice.

Is it possible they pulled both when you applied, but you just got the alert on TU today?

Message Edited by cheddar on 03-10-2008 01:48 PM

Re: BofA hard 2nd Hard Pull

Anonymous — Mon, 10 Mar 2008 17:51:31 GMT

Hello Again,

I would be ok with multiple pulls (its well within Bof A right to do so), but I was denied on 3/5, why would they do another pull on 3/10?

WBLAKE

Re: BofA hard 2nd Hard Pull

Red1Blue — Mon, 10 Mar 2008 17:58:37 GMT

You might want to send a dispute letter asking them to remove the inquiry.

Re: BofA hard 2nd Hard Pull

Anonymous — Mon, 10 Mar 2008 18:31:40 GMT

@Red1Blue wrote:
BOA seems to do quite a few pulls. When I applied for 99/500 card it costed me 3 hard inq's on my EX.

My 99/500 card cost me 2 hard inq's. I guess the first one was for the Platinum Plus Visa.....the 2nd was for the 99/500 card itself.

Re: BofA hard 2nd Hard Pull

ficonovice — Mon, 10 Mar 2008 20:41:13 GMT

When I appd a few months ago, they initially pulled both EX and EQ. They called me a few days later to tell me I was approved. At that time I asked for a higher limit, and without initially knowing, they pulled my TU. One of the pulls was from FIA and technically that's what I now have, but the card says BOA.

Re: BofA hard 2nd Hard Pull

Red1Blue — Mon, 10 Mar 2008 20:44:23 GMT

FIA is owned by BOA. It could say either name but they both are the same company now.

Re: BofA hard 2nd Hard Pull

Anonymous — Mon, 10 Mar 2008 22:35:17 GMT

Depending on what you applied for the second pull may have been for a mailed offer of another card with your rejection notice for what you initially app'd for.

For example you app for an unsecured card. They say no, you'll get a letter explaining why in 10-15 days, they review your info and decide to offer you a secured card/partially secured and they may pull again.

I'm not sure if that's the case, but could be a possibility.

Re: BofA hard 2nd Hard Pull

haulingthescoreup — Mon, 10 Mar 2008 23:14:50 GMT

@Anonymous wrote:

I have heard from others that BofA has begun pulling both EX and TU as part of their standard practice.

Glad they didn't do that with me! One hard on EX. And that was back on 2/18, so if they were going to pull something else, I think (hope) it would have shown up by now.

Re: BofA hard 2nd Hard Pull

Anonymous — Tue, 11 Mar 2008 01:42:41 GMT

@haulingthescoreup wrote:

@Anonymous wrote:

I have heard from others that BofA has begun pulling both EX and TU as part of their standard practice.

Glad they didn't do that with me! One hard on EX. And that was back on 2/18, so if they were going to pull something else, I think (hope) it would have shown up by now.

Yeah, I'm glad they didn't do that to you, too. I heard about that from esshua when she got her BofA Amex. They double-pulled her (TU and EX).

Re: BofA hard 2nd Hard Pull

haulingthescoreup — Tue, 11 Mar 2008 02:05:48 GMT

@Anonymous wrote:
@haulingthescoreup wrote:
@Anonymous wrote:
I have heard from others that BofA has begun pulling both EX and TU as part of their standard practice.
Glad they didn't do that with me! One hard on EX. And that was back on 2/18, so if they were going to pull something else, I think (hope) it would have shown up by now.
Yeah, I'm glad they didn't do that to you, too. I heard about that from esshua when she got her BofA Amex. They double-pulled her (TU and EX).

Wow, her scores and reports are WAY better than mine. I definitely got lucky. I wonder if it's because I app'd an affinity card, rather than a straight BofA card?

Re: BofA hard 2nd Hard Pull

Anonymous — Tue, 11 Mar 2008 20:07:36 GMT

Here's an update.

Today I called the staus number for BOA and they advised me that I was apporved with a CL of $3500. I am happy but confused. What whold have prompted them to pull a 2nd report after my 1st was denied?

WBLAKE

Re: BofA hard 2nd Hard Pull

Anonymous — Tue, 11 Mar 2008 20:51:05 GMT

Congrats WB! WTG!

Re: BofA hard 2nd Hard Pull

ficonovice — Tue, 11 Mar 2008 21:12:01 GMT

Sounds similar to what they did with me, though I think they pulled 2 hards at the same time followed by a TU hard a few days later. My credit limit was also $3,500. I'm guessing they approved you through FIA card services.

Just my experience, but they've been great so far. I asked for CLI to $10,000 after 30 days via website and was approved.

Re: BofA hard 2nd Hard Pull

Red1Blue — Tue, 11 Mar 2008 21:13:47 GMT

ficonovice wrote:
Sounds similar to what they did with me, though I think they pulled 2 hards at the same time followed by a TU hard a few days later. My credit limit was also $3,500. I'm guessing they approved you through FIA card services.

Just my experience, but they've been great so far. I asked for CLI to $10,000 after 30 days via website and was approved.

That is great. Hopefully once my 99/500 secured card becomes unsecure, may be I can get some CLI on my BOA Card. It is due to become unsecure in 4 months. Counting Days....