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BoA Cash Rewards Pre-Qualification on a thin file no FICO score?

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Anonymous
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BoA Cash Rewards Pre-Qualification on a thin file no FICO score?

So i'm curious what this actually means? Being bored since it was a SP was curious what they'd say. It seems like without a fico score and thin file they wouldn't even bother to Pre-Qualify me but somehow they are? 

 

Curious what this actually means? 

Message 1 of 4
3 REPLIES 3
Raisondetre
Contributor

Re: BoA Cash Rewards Pre-Qualification on a thin file no FICO score?

Don't fall for the BoA pre-qualifications, it's all just marketing. You could put your dogs name with some random information and still get "pre-qualified"
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Fico scores September 2023
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Had scores in the 500s 5 years ago
Message 2 of 4
Anonymous
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Re: BoA Cash Rewards Pre-Qualification on a thin file no FICO score?


@Raisondetre wrote:
Don't fall for the BoA pre-qualifications, it's all just marketing. You could put your dogs name with some random information and still get "pre-qualified"

That's nice to know...

 

So do they actually do a SP or is just whatever sounds nice? 

Message 3 of 4
Raisondetre
Contributor

Re: BoA Cash Rewards Pre-Qualification on a thin file no FICO score?


@Anonymous wrote:

@Raisondetre wrote:
Don't fall for the BoA pre-qualifications, it's all just marketing. You could put your dogs name with some random information and still get "pre-qualified"

That's nice to know...

 

So do they actually do a SP or is just whatever sounds nice? 


I just pulled my Experian report to check and they did actually soft pull back on September 5th when I tried it out. So they actually do it but they still just show you a recommendation of cards after that, so you may or may not be approved. There's many posts on here with people thinking it's a solid offer and still got denied.

Most Used
Amex Hilton Honors Aspire - $30K
Amex Hilton Honors Business - $10K
Amex Amazon Prime Business - $12.4K

Used sparingly or in sock drawer
X1 Visa - $27K
PenFed Gold Visa - $9K
NavyFed Cash Rewards - $5K
Care Credit - $20K
Walmart Mastercard - $2K
Tractor Supply card - $6K
Amazon Prime Synchrony Card - $10K
Home Depot card - $12K
PNC Points - $13K
FNBO Evergreen - $2.8k
Discover It Chrome - $2.8K
Discover it Cash Back - $1K
FNBO Visa Signature - $1K
Commence Bank Special Connections - $2K
WF Reflect - $4K

Fico scores September 2023
Equifax - 786
Experian - 770
Transunion - 776
Had scores in the 500s 5 years ago
Message 4 of 4
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