BoA accuracy?

[1GaDawg85]

How accurate is BoA on pre-approvals? 

[ojefferyo]

Mailer or online? I never get any of those pre-approval things so who really knows.

[1GaDawg85]

I used their pre-qualify site 

[ojefferyo]

What is your EX score and your util and inquires

[Anonymous]

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@1GaDawg85 wrote:

How accurate is BoA on pre-approvals? 

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personally, i don't think they are accurate, when i checked  them it always comesback saying NONE for me  and i have 2 BOA cards....

[1GaDawg85]

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@ojefferyo wrote:

What is your EX score and your util and inquires

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EX is in sig (I think thats what DCU gives) and util is about 39% or so and inquiries of about 15....mostly from mortgage shopping and car shopping

[ojefferyo]

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@1GaDawg85 wrote:

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@ojefferyo wrote:

What is your EX score and your util and inquires

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EX is in sig (I think thats what DCU gives) and util is about 39% or so and inquiries of about 15....mostly from mortgage shopping and car shopping

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Fico may be a bit low for them and 15 inquires, you may have to call them if you get denied and explain it to them

[salek10]

Mailer are pretty accurate... Website? I wouldn't trust it... I recently found out that your local BofA personal banker could see if you are "pre-selected" for a credit card... so if you have an existing relationship with them you can just go to a branch and ask a banker

[1GaDawg85]

After closing on my house, I'll be moving all of my money to BoA and see what happens