BOA App Question

[Mm587]

Can anyone tell me which bureau Bank of America pulls?  Also, my scores are about 685 with a 30 per cent utilitzation.  I want to take advantage of the 18 months transfer offer.  Would my CL be better if I got my CC utilization under 10 per cent before I apped?  thank you!

[kidink1911]

BOA most often pulls EX and with your scores (which were similar to mine when I app'd) you have a strong chance for approval.

Good luck!!

[JR_TX]

Based on most if not all of the BofA threads here, they pull EX for a new app and TU for CLIs. You'll most likely get 10+ Points jump in your FICOs with a util drop from 30 to <10% and get a better SL. I once app'd for a CLI on my BankAmericard CC with a TU8 of 687 and got denied. Couple of months later I app'd for a BofA Cash Rewards with an EX8 of 711 and got approved with a SL of 2K. Still a low SL but considering they won't even give me a penny of CLI 2 months prior.
I don't think the 18 months BT offer will go away anytime soon So yeah I suggest you wait 'til you get your util down to <10%.
Best of luck!

[Anonymous]

I hope for your case they like you.

They have denied me every time I've applied (including the most recent time of about 2 months ago) continuing to tell me I need more history.

Mind you my EX is 748, AAoA is about 2.5 years with the oldest reporting line at 11 years. No baddies at all and I have ~ 25ish various accounts on my report (credit cards, auto loans, lines of credit).