topic Re: BOA Hard Inquiry in Credit Cards

BOA Hard Inquiry

Anonymous — Tue, 11 Sep 2007 22:52:12 GMT

DW and myself just opened a joint account with BOA. So, while opening it online I saw the pre-approval button to check if anything was out there for me. Now, I see 2 inquiries from BOA on my report.

Was 1 for opening the account? And the other for checking for pre-approvals? I am so mad because if 1 is for the pre-approval their site is very misleading and they will hear from me..

Re: BOA Hard Inquiry

Anonymous — Tue, 11 Sep 2007 22:53:20 GMT

hard to determine right now. call them and ask.

Re: BOA Hard Inquiry

Anonymous — Tue, 11 Sep 2007 22:55:12 GMT

Did you happen to open both checking and savings? They did the same thing to me when I opened my account with them last year. Talk about fuming. I didn't even app for credit. The preapprval thing is actuallly soft.

Re: BOA Hard Inquiry

Anonymous — Tue, 11 Sep 2007 22:57:23 GMT

Yes, we opened checking & savings.. And they even had the nerve to pull them about 3 days apart.

Re: BOA Hard Inquiry

Anonymous — Tue, 11 Sep 2007 23:00:21 GMT

credit4me wrote:

Yes, we opened checking & savings.. And they even had the nerve to pull them about 3 days apart.

Same thing here. Yep I'm going to run around bouncing checks on a savings accout. Or in the five minutes between opening both accounts all the checks I wrote suddenly showed up on Chexsystems.

Good luck in getting them removed. The got my on EX and there is no hop gettng stuff deleted from there.

Re: BOA Hard Inquiry

fused — Tue, 11 Sep 2007 23:36:19 GMT

It's bad situations like this where I wish FICO scoring would allow the de-duplication window to apply to CCs and bank accounts. Now that we are on this subject, yes get ready, this is going to be a real rant !!! I don't think banks should have any PP to pull hards since you're not applying for new credit when opening up new accounts such as checking and savings. They aren't extending credit, they are borrowing from us. Heck, we should be able to check their credit and determine the bank's creditworthiness. This is nonsense!

Back to the issue, I have successfully removed some Amex inqs reported on EX but my situation was a little different. When I apped for an Amex Gold CC last April, for some unknown reason Amex pulled my EX and EQ reports on consecutive days and later opened two new accounts. I closed one of the accounts, phoned EX and they removed one of them the following day. Surprising cause this was EX, ya know the evil brainchild.

Message Edited by fused111 on 09-11-2007 01:36 PM

Re: BOA Hard Inquiry

Anonymous — Tue, 11 Sep 2007 23:33:07 GMT

I agree with that whole-heartedly they are making money off our accounts!

Re: BOA Hard Inquiry

Anonymous — Tue, 11 Sep 2007 23:35:53 GMT

Yeah but the people at BOA don't have enough sense to remove an inqiry..lol!! They send a form letter with a 'We made a mistake' with no contact number as if it is impossble to do it from their end. You call and say I'm sorry the CRA will not accept this, they say 'Oh well that's all we can do. Did I ention the idiots sent all my checking account info including SSN to an address I hadn't lived at in ten years.

Re: BOA Hard Inquiry

Anonymous — Tue, 11 Sep 2007 23:43:55 GMT

Geesh!! And aren't they one of the elite?

Re: BOA Hard Inquiry

fused — Tue, 11 Sep 2007 23:45:35 GMT

I believe BoA is the biggest CC issuer.

Re: BOA Hard Inquiry

Anonymous — Tue, 11 Sep 2007 23:52:36 GMT

I just couldnt figure out how when I t the correct info into an online appplicatio how they managed to send sensitive info to an address on an MBNA account that had been closed for over 14 years

Re: BOA Hard Inquiry

Anonymous — Wed, 12 Sep 2007 00:44:37 GMT

BOFA is a pirme lender and a second largest retail bank in US after citibank. You should have no problem adressing your questions with their CSR. Call them. They should be able to coorect mistakes they made.

Re: BOA Hard Inquiry

Anonymous — Wed, 12 Sep 2007 00:46:34 GMT

U woulda thunk it.