@Sbrooks1 wrote:
Got several hits in pre qual but denied immediately! Scores 700 ish across , uti 2%, why was I denied you think, and I have to STOP
You already took the HP for a denial so now you need to get on the phone tomorrow and speak with one of their credit analyst's. If a backdoor number can't be found in here (they change them all the time) then speak with a CSR and request to be transferred to that department.
This can go either way but since you already have gotten the HP, there's always that possibility where you might have that denial overturned into an approval after all.
BE ADVISED HOWEVER: It will require for them to also do another HP from a different CRA. <------------
This is the number one thing to do ANYTIME in most instances where you get met with an online denial because human eyes and correspondence can always make the difference to your favor.
If still no joy, then ASK them what they expect and would prefer to see to better your chances the next time with them.
Good Luck 
@creditguy wrote:
BofA is hit or miss on everything especially approvals and pre quals. I was always under the impression their pre quals were garbage but lately I've read they were somewhat solid so who knows. I never had a pre qual but was approved anyway and that's after being denied previously for lack of banking history. They are a weird one sometimes. Give the recon a shot and good luck.
Yea BofA can be strange when it comes to prequals, most are rubbish like Discovers, but BofA does offer true prequals.
Gardening until September 2025
@Sbrooks1 wrote:
Got several hits in pre qual but denied immediately! Scores 700 ish across , uti 2%, why was I denied you think, and I have to STOP
you have nothing to lose by calling for a Recon, i had a Secured card with them and after it became Unsecured i requested for the $39 annual fee to be removed permanently and they told me there is nothing they can do about that so i got mad and Closed the Account, then the following month i Applied to a Regular BOA Credit card and was Declined right away, i called and got that one approved with a Starting Credit line of $1,500 and today that Card has a $25.8K Credit line, Good luck 