topic Re: BOA- Hard pull removal question in Credit Cards

BOA- Hard pull removal question

Marcos8 — Mon, 03 Jun 2013 04:55:19 GMT

Yesterday I called BoA to inquire about a potential CL increase and APR reduction. I asked if they would utilize a hard or a soft pull and was told that if she used the automated system while I was on the phone that it was a soft pull, and that if I was denied than I could call back Monday to speak to someone in credit approval and they could utilize a hard pull to see if an increase could happen. I said ok at that point and agreed to allow her to use the automated system and I was denied. Sure enough I get an alert this morning that I have a new hard inquiry from BoA. How can I get this removed?

Re: BOA- Hard pull removal question

HiLine — Mon, 03 Jun 2013 05:00:20 GMT

I would call a backdoor number, explain your situation, and ask for support.

Re: BOA- Hard pull removal question

Marcos8 — Mon, 03 Jun 2013 05:05:18 GMT

How do I find a backdoor #? Do I ask them straight out to just remove it?

Re: BOA- Hard pull removal question

HiLine — Mon, 03 Jun 2013 05:19:46 GMT

There's sticky thread in this forum for backdoor numbers. Tell them what happened and ask if they could contact the CRA to get them to remove the inquiry.

Re: BOA- Hard pull removal question

Marcos8 — Mon, 03 Jun 2013 05:23:06 GMT

Thank you I'll give it a shot! Does a hard inquiry only show up in whatever bureau report they pull, or is that something that will make its way to the other bureaus as well and eventually show up on all of my reports?

Re: BOA- Hard pull removal question

myjourney — Mon, 03 Jun 2013 05:26:31 GMT

@Marcos8 wrote:
Thank you I'll give it a shot! Does a hard inquiry only show up in whatever bureau report they pull, or is that something that will make its way to the other bureaus as well and eventually show up on all of my reports?

It will only show on the CR they pulled

Re: BOA- Hard pull removal question

thom02099 — Mon, 03 Jun 2013 15:04:41 GMT

@Marcos8 wrote:
Yesterday I called BoA to inquire about a potential CL increase and APR reduction. I asked if they would utilize a hard or a soft pull and was told that if she used the automated system while I was on the phone that it was a soft pull, and that if I was denied than I could call back Monday to speak to someone in credit approval and they could utilize a hard pull to see if an increase could happen. I said ok at that point and agreed to allow her to use the automated system and I was denied. Sure enough I get an alert this morning that I have a new hard inquiry from BoA. How can I get this removed?

While I can sympathise with your dilema and being told it's going to be a SP, there's lots of info on here about BofA nearly always (99.9999% of the time) doing a HP for CLI. There's only a very small handful of folks who post here who've indicated they got a SP. My CLI with BofA have always resulted in a HP, and in one case, they pulled twice! I asked them to remove the 2nd pull, as they did acknowledge it was their mistake, but it's yet to be deleted. For me, some things are just not worth pursuing, as both of them will fall off in good time and it's not adversely affecting my TU score, as I only have 4 pulls over the past 24months.

Re: BOA- Hard pull removal question

FinStar — Mon, 03 Jun 2013 16:21:07 GMT

@thom02099 wrote:
@Marcos8 wrote:
Yesterday I called BoA to inquire about a potential CL increase and APR reduction. I asked if they would utilize a hard or a soft pull and was told that if she used the automated system while I was on the phone that it was a soft pull, and that if I was denied than I could call back Monday to speak to someone in credit approval and they could utilize a hard pull to see if an increase could happen. I said ok at that point and agreed to allow her to use the automated system and I was denied. Sure enough I get an alert this morning that I have a new hard inquiry from BoA. How can I get this removed?
While I can sympathise with your dilema and being told it's going to be a SP, there's lots of info on here about BofA nearly always (99.9999% of the time) doing a HP for CLI. There's only a very small handful of folks who post here who've indicated they got a SP. My CLI with BofA have always resulted in a HP, and in one case, they pulled twice! I asked them to remove the 2nd pull, as they did acknowledge it was their mistake, but it's yet to be deleted. For me, some things are just not worth pursuing, as both of them will fall off in good time and it's not adversely affecting my TU score, as I only have 4 pulls over the past 24months.