topic Re: AU's....CLI's......Hard pulls.... in Credit Cards https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403961#M680616 <P>Does anyone know what Bank of America AMEX will pull? EX, EQ, or TU? when she makes the request....?</P> Tue, 27 Aug 2013 17:50:17 GMT Kratos-TM 2013-08-27T17:50:17Z AU's....CLI's......Hard pulls.... https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403825#M680569 <P>I want my wife to increase her credit limit on her discover card and possible BOA too....but as an AU, will they hard pull my report too?</P> Tue, 27 Aug 2013 17:08:36 GMT https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403825#M680569 Kratos-TM 2013-08-27T17:08:36Z Re: AU's....CLI's......Hard pulls.... https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403837#M680572 <P>I don't think you can do it as an AU - But you can do it as the Cardholder, thus affecting the AU as well....</P> Tue, 27 Aug 2013 17:11:35 GMT https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403837#M680572 GlocksAndCredit 2013-08-27T17:11:35Z Re: AU's....CLI's......Hard pulls.... https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403839#M680573 The credit of an AU is not pulled for a CLI. An AU is not responsible for the card and therefore credit/income etc is not a factor. If the account was joint, then a cr can be requested. Tue, 27 Aug 2013 17:11:55 GMT https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403839#M680573 09Lexie 2013-08-27T17:11:55Z Re: AU's....CLI's......Hard pulls.... https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403849#M680576 <P>Ok, good to know. She's gonna do the request, but I just wanted to make sure that I wasn't gonna be hit as well.</P> Tue, 27 Aug 2013 17:15:03 GMT https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403849#M680576 Kratos-TM 2013-08-27T17:15:03Z Re: AU's....CLI's......Hard pulls.... https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403851#M680577 <P>Since she is an AU it will HP your credit beacuse your the primary cardholder your DW is just an addictonal card holder. Only in a Joint acct will both incomes count towards the decision of the CLI</P> Tue, 27 Aug 2013 17:15:12 GMT https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403851#M680577 BearsAndTurtlesRtheBest 2013-08-27T17:15:12Z Re: AU's....CLI's......Hard pulls.... https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403861#M680581 Wait, is your DW the AU? Or are you the AU? Tue, 27 Aug 2013 17:16:48 GMT https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403861#M680581 09Lexie 2013-08-27T17:16:48Z Re: AU's....CLI's......Hard pulls.... https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403863#M680582 <P>I'm the AU......she's the cardholder.</P> Tue, 27 Aug 2013 17:18:01 GMT https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403863#M680582 Kratos-TM 2013-08-27T17:18:01Z Re: AU's....CLI's......Hard pulls.... https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403869#M680585 Ok, that's what I thought you meant. When your wife requests a CLI, your cr will not be pulled. Tue, 27 Aug 2013 17:19:52 GMT https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403869#M680585 09Lexie 2013-08-27T17:19:52Z Re: AU's....CLI's......Hard pulls.... https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403873#M680587 <P>Oh! ok then no they will not HP your credit since your the AU and DW is the primary cardholder. Sorry for the mix!</P> Tue, 27 Aug 2013 17:21:08 GMT https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403873#M680587 BearsAndTurtlesRtheBest 2013-08-27T17:21:08Z Re: AU's....CLI's......Hard pulls.... https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403875#M680588 <P>Ok great. Thanks Lexie.</P> Tue, 27 Aug 2013 17:21:22 GMT https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403875#M680588 Kratos-TM 2013-08-27T17:21:22Z Re: AU's....CLI's......Hard pulls.... https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403889#M680592 Welcome! Tue, 27 Aug 2013 17:27:20 GMT https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403889#M680592 09Lexie 2013-08-27T17:27:20Z Re: AU's....CLI's......Hard pulls.... https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403961#M680616 <P>Does anyone know what Bank of America AMEX will pull? EX, EQ, or TU? when she makes the request....?</P> Tue, 27 Aug 2013 17:50:17 GMT https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403961#M680616 Kratos-TM 2013-08-27T17:50:17Z Re: AU's....CLI's......Hard pulls.... https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403983#M680625 <P>They pull EX and sometimes TU as well</P> Tue, 27 Aug 2013 17:56:08 GMT https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403983#M680625 BearsAndTurtlesRtheBest 2013-08-27T17:56:08Z Re: AU's....CLI's......Hard pulls.... https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403989#M680627 <P>Good to know. I'd rather them pull EX on hers.</P> Tue, 27 Aug 2013 17:57:54 GMT https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403989#M680627 Kratos-TM 2013-08-27T17:57:54Z Re: AU's....CLI's......Hard pulls.... https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403993#M680629 I don't have a BOA but from what I can remember they pull TU for CLI . Tue, 27 Aug 2013 17:59:10 GMT https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2403993#M680629 09Lexie 2013-08-27T17:59:10Z Re: AU's....CLI's......Hard pulls.... https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2404011#M680638 <P>Hmmm.....TU is the one I wouldn't want the most.</P> Tue, 27 Aug 2013 18:04:08 GMT https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2404011#M680638 Kratos-TM 2013-08-27T18:04:08Z Re: AU's....CLI's......Hard pulls.... https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2404015#M680639 Pretty sure it's TU. wait around to see what others say. Tue, 27 Aug 2013 18:05:15 GMT https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2404015#M680639 09Lexie 2013-08-27T18:05:15Z Re: AU's....CLI's......Hard pulls.... https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2404567#M680815 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/621098">@09Lexie</a> wrote:<BR />Pretty sure it's TU. wait around to see what others say.<HR /></BLOCKQUOTE><P>All the info I saw was TU for CLI's.......</P> Tue, 27 Aug 2013 21:30:08 GMT https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2404567#M680815 missjae 2013-08-27T21:30:08Z Re: AU's....CLI's......Hard pulls.... https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2404583#M680821 <P>for me it has always been a HP on TU for CLI request.</P> Tue, 27 Aug 2013 21:33:37 GMT https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2404583#M680821 dodgerslv 2013-08-27T21:33:37Z Re: AU's....CLI's......Hard pulls.... https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2404589#M680822 <P>Well she did an online request, and it said that they will mail us in 7-10 days....</P><P>&nbsp;</P><P>Guess that means she was denied......???</P> Tue, 27 Aug 2013 21:34:37 GMT https://ficoforums.myfico.com/t5/Credit-Cards/AU-s-CLI-s-Hard-pulls/m-p/2404589#M680822 Kratos-TM 2013-08-27T21:34:37Z