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BoA app - which bureau if existing customer?

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expatCanuck
Super Contributor

BoA app - which bureau if existing customer?

I'm a BoA customer (and have been for 18 years).  Have their Travel Rewards card and am considering applying for their Cash Rewards card. 

 

Anyone know if the bureau they pull changes if you're already a customer?

 

[I ask because my TU profile is in decent shape and can take the hit; EX, not so much.]

 

BoA-TU.jpg

 


2025 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 12-Feb-2024 ]
EQ8502 INQ (Auto, Mort)7y4m
EX8506 INQ (2 CC, 2 mort, 2 auto)7y
TU8501 INQ (CC)6y8m
3/241/12AoYA 10m | AoOA 24y2m~1%

Yeah, FICO 9 is 850 as well. Smiley Happy
Message 1 of 4
3 REPLIES 3
FinStar
Moderator Emeritus

Re: BoA app - which bureau if existing customer?

Although YEMV, and depending on region (or if primary CBR unavailable), BOA will still lean on EX for new applications regardless if an existing customer.

An alternative would be if you have an existing BOA CC and request a CLI (if eligible), which then TU is primarily used, then you can leverage the same TU pull for the new CC application. So as long as it's done within 30 days.
Message 2 of 4
Newbie2018
Frequent Contributor

Re: BoA app - which bureau if existing customer?

Good info..
For me it's always been TU for my CLI

EQ for a new account

It may vary by region.
Message 3 of 4
Anonymous
Not applicable

Re: BoA app - which bureau if existing customer?


wrote:
Although YEMV, and depending on region (or if primary CBR unavailable), BOA will still lean on EX for new applications regardless if an existing customer.

An alternative would be if you have an existing BOA CC and request a CLI (if eligible), which then TU is primarily used, then you can leverage the same TU pull for the new CC application. So as long as it's done within 30 days.

What FinStar said. Smiley Happy

Message 4 of 4
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