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BoA CLI Love Button - No HP

Contributor

BoA CLI Love Button - No HP

Howdy all

 

Just a quick note and update. Did a CLI via the Love Button at BoA, no HP and approved for requested increase... Thought I would let others know... Button was on my BoA Dashboard... 

Starting Score:EQ = 690 TU = 702 EQ = 673
Current Score: EQ = 690 TU = 702 EQ = 673
Goal Score:EQ = 725 TU = 750 EQ = 715


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10 REPLIES
Community Leader
Super Contributor

Re: BoA CLI Love Button - No HP

This method has been known and shared since May of last year OP.

https://ficoforums.myfico.com/t5/Credit-Cards/BoA-to-stop-HPs-for-CLI-s/td-p/5250589
Message 2 of 11
Contributor

Re: BoA CLI Love Button - No HP

Thanks FinStar Saw that but thought I would do an update... Also, I have a 0% APR offer in place so I decided to call to see if I could up the initial CLI request I the online CLI; I called and spoke t a very nice CSR and they approved the new over the phone CLI I requested.
Starting Score:EQ = 690 TU = 702 EQ = 673
Current Score: EQ = 690 TU = 702 EQ = 673
Goal Score:EQ = 725 TU = 750 EQ = 715


Take the myFICO Fitness Challenge
Message 3 of 11
Community Leader
Super Contributor

Re: BoA CLI Love Button - No HP

Whats the update if this is the method being used by current Boa members? Congrats on achieving a double cliSmiley Happy
Message 4 of 11
Established Contributor

Re: BoA CLI Love Button - No HP

Howdy! Congrats on them dd!
BK7 dc in 01/2011 with FICO8 in the 500s




UTIL 1% - 3%
HPs EX 4 EQ 4 TU 2
AAoA 5y2m






$150K+ Total Limits
Message 5 of 11
Valued Contributor

Re: BoA CLI Love Button - No HP

Nice work...congratulations!!

American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Pier 1(18.5k) Amex BCP(18k) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) Overstock (14.6K) Venture WMC (10.25k) Amex Everyday (10k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(9.5k☝️) J Crew( 9.9k) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (8K) Fidelity® Rewards Visa Signature® Card (6.5K) Citi Double Cash (7k) PenFed PCR (5K) Discover (4k✌️) Kohls (3k)
Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K

FICO 8 Scores EX 696(14) EQ 682(24)TU 697(19)
AAOA 3.1yrs TCL=308,550
Message 6 of 11
Valued Contributor

Re: BoA CLI Love Button - No HP

This must be a YMMV situation - the Request Credit Limit Increase link takes me to a page with text which makes clear that it's almost certainly a hard pull.

2019 Goals: actually garden; save 3 months' net income; clear the BT cards; acquire a CO card
2020 Goal: Chase Freedom (Q2)

EQ8129 INQ (5 CC, 2 mort, phone, CU)
EX80210 INQ (6 CC, 2 HELoan, 2 mort)
TU8207 INQ (5 CC, 2 mort)
9/24 < 3% AAoA 6.6 - 7.3 | AoYA 0m | AoOA 20ish y
Take the myFICO Fitness Challenge [ Last INQ 7-Jan-2019 ]
I can garden. Yes, I can. I guess..
Message 7 of 11
Established Contributor

Re: BoA CLI Love Button - No HP


@expatCanuck wrote:

This must be a YMMV situation - the Request Credit Limit Increase link takes me to a page with text which makes clear that it's almost certainly a hard pull.


That's the standard boilerplate phrasing that everyone sees and that remains unchanged from before they put their new policy in effect.

 

You're correct that this is a YMMV situation but all the datapoints here show that it's on the scale of 99.5% probability that it will only be a SP on Transunion. 

(12/2018)
FICO 8 (EX) 803 (TU) 816 (EQ) 791
FICO 9 (EX) 829 (TU) 834 (EQ) 830

$700K+ club
Message 8 of 11
Contributor

Re: BoA CLI Love Button - No HP


@AverageJoesCredit wrote:
Whats the update if this is the method being used by current Boa members? Congrats on achieving a double cliSmiley Happy

Hi AverageJoe

 

Yes am a BoA member... A little background, I was one of the people who did a CLI about a week before they went to soft pulls for CLI. I was denied and had a mark. Moved my $ in my BoA to my Chase (lower APR) and after the transfer went through BoA increased my CL that was back in April or so... Fast Forward.... Saw the CLI button (aka Love Button) and gave the SP a shot. Instant apporoval and offer for 0% APR on balance transfer for 12 months... Decided to call to see if I could bump my intial $2k request to $5k and they did... Not sure if its a "new method" or not but thaought I would share... BoA had my FICO at 702 when I did this...

Starting Score:EQ = 690 TU = 702 EQ = 673
Current Score: EQ = 690 TU = 702 EQ = 673
Goal Score:EQ = 725 TU = 750 EQ = 715


Take the myFICO Fitness Challenge
Message 9 of 11
Valued Contributor

Re: BoA CLI Love Button - No HP

Congrats on your CLI !!!!!

 

1-2019 / Fico 8 EX 794 , EQ 801 , TR 802
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 10 of 11