cancel
Showing results for 
Search instead for 
Did you mean: 

Is B of A still doing soft pulls for CLI?

tag
Dave4fun
Regular Contributor

Is B of A still doing soft pulls for CLI?

The CLI request line ('button') showed up (finally) after a year. But the 'application' to request the CLI looks more like an actual application instead of a CLI request. Also, the site does say they will pull a credit report. Is it still a soft pull ? 

FICO 8 EQ: 841, TU: 842, EX: 842 Total Rev CL: $547,000 - CHASE/CITIBANK/DISCOVER/ USBANK/AMEX/COMENITY AMEX /BMO/NORDSTROM/MACYS/FNBO/ JCPENNY/TARGET/CHEVRON/1ST UNITED CU/PATELCO CU/SYNCHRONY/ VENMO VISA Sig/ DILLARDS AMEX/ PENFED PLAT REWARDS/PENFED PLOC/WELLS FARGO. AAoA 13 years
Message 1 of 9
8 REPLIES 8
coldfusion
Credit Mentor

Re: Is B of A still doing soft pulls for CLI?

 

They never updated the phrasing regarding the potential for a HP and there is no such thing as 100% certainty but it's been a long time since I've seen anyone report a HP from a BoA CLI request. 

(5/2025)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 2 of 9
cashorcharge
Community Leader
Super Contributor

Re: Is B of A still doing soft pulls for CLI?

Just went through this last week.

For me, Yes, it a SP.  I requested online like you did and got a message that it was under review.  I have no patience...so I called Customer Service 30 minutes later.  After some conversations, it was resolved and SP CLI approved

 

 

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BofA-Cash-Rewards-100-CLI-SP-after-2nd-review...

Message 3 of 9
AllZero
Mega Contributor

Re: Is B of A still doing soft pulls for CLI?

Agreed with the above. My 3B were frozen. Got CLI back in March.
Message 4 of 9
coldfusion
Credit Mentor

Re: Is B of A still doing soft pulls for CLI?


@AllZero wrote:
Agreed with the above. My 3B were frozen. Got CLI back in March.

That in itself would be a change as one point there were multiple DP that if TU were frozen they were denying CLIs even if only performing a SP.

(5/2025)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 5 of 9
AllZero
Mega Contributor

Re: Is B of A still doing soft pulls for CLI?


@coldfusion wrote:

@AllZero wrote:
Agreed with the above. My 3B were frozen. Got CLI back in March.

That in itself would be a change as one point there were multiple DP that if TU were frozen they were denying CLIs even if only performing a SP.


I was expecting a denial. It was instant approval x 2 accounts. Plus, I still get my free TU 8 score.

 

ETA. As an added data point. I was on a dry spell. I tried every preceeding month. Instant 7-10 day denial letter or something like that. Smiley Tongue

Message 6 of 9
M_Smart007
Legendary Contributor

Re: Is B of A still doing soft pulls for CLI?


@AllZero wrote:
Agreed with the above. My 3B were frozen. Got CLI back in March.

Did I Congratulate You?

Message 7 of 9
AllZero
Mega Contributor

Re: Is B of A still doing soft pulls for CLI?


@M_Smart007 wrote:

@AllZero wrote:
Agreed with the above. My 3B were frozen. Got CLI back in March.

Did I Congratulate You?


@M_Smart007 .Yes you did. Thank you. 😃

Message 8 of 9
Anonymous
Not applicable

Re: Is B of A still doing soft pulls for CLI?

i just requested and received a cli a few minutes ago and it was a sp 🙂

Message 9 of 9
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.