BOA 123 Cash Rewards

[Harvey26]

Does anybody know if I freeze EX will BOA pull TU? Which is my highest and one with the least amount of inquires. Has anyone had any luck with trying this method I would freeze EX and EQ beacuse they have the highest inqs. or should I just wait the 6 months and then re apply?

[ddemari]

Hi op, what you are trying to do does work for most people if you google it. Although this site doesn't recommend freezing reports to enable a lender to pull a specific report based on your request. Good luck!

[Anonymous]

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@ddemari wrote:
Hi op, what you are trying to do does work for most people if you google it. Although this site doesn't recommend freezing reports to enable a lender to pull a specific report based on your request. Good luck!

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+ 2

[kdm31091]

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@Harvey26 wrote:

Does anybody know if I freeze EX will BOA pull TU? Which is my highest and one with the least amount of inquires. Has anyone had any luck with trying this method I would freeze EX and EQ beacuse they have the highest inqs. or should I just wait the 6 months and then re apply?

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Just wait and reapply when your profile supports it better.

[gdale6]

It is taboo on myFico for someone to advocate freezing one report to get a creditor to pull another and a post has been removed for this very thing. While we will allow such a question to be posed as the OP has done it must be answered within allowable limits.

[creditguy]

If you have to use tricks to try to get an approval, your simply not ready for the card. Why not just wait until your profile supports an approval? There are no tricks or shortcuts that can replace time and patience.

[mattmyFIC0]

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@gdale6 wrote:

It is taboo on myFico for someone to advocate freezing one report to get a creditor to pull another and a post has been removed for this very thing. While we will allow such a question to be posed as the OP has done it must be answered within allowable limits.

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Well, I've had my first post deleted now. Sorry about that. I didn't know the DOC link was frowned upon for this sort of topic

[NRB525]

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@Harvey26 wrote:

Does anybody know if I freeze EX will BOA pull TU? Which is my highest and one with the least amount of inquires. Has anyone had any luck with trying this method I would freeze EX and EQ beacuse they have the highest inqs. or should I just wait the 6 months and then re apply?

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What are your scores on each bureau? How many inquiries on each bureau in the last year? 6 months?

[Harvey26]

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@NRB525 wrote:

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@Harvey26 wrote:

Does anybody know if I freeze EX will BOA pull TU? Which is my highest and one with the least amount of inquires. Has anyone had any luck with trying this method I would freeze EX and EQ beacuse they have the highest inqs. or should I just wait the 6 months and then re apply?

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What are your scores on each bureau? How many inquiries on each bureau in the last year? 6 months?

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EQ: 705 TU: 708 and EX: 697 scores took a bit of a dip when utl when up but paid both cards in full and the one has already updated and my discover has not yet updated. About 15 inqs in the last 6 months. I know terrible right. I want to wait the full 2 years for them to fall completely off but idk if i can be that strong.

[kdm31091]

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@Harvey26 wrote:

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@NRB525 wrote:

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@Harvey26 wrote:

Does anybody know if I freeze EX will BOA pull TU? Which is my highest and one with the least amount of inquires. Has anyone had any luck with trying this method I would freeze EX and EQ beacuse they have the highest inqs. or should I just wait the 6 months and then re apply?

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What are your scores on each bureau? How many inquiries on each bureau in the last year? 6 months?

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EQ: 705 TU: 708 and EX: 697 scores took a bit of a dip when utl when up but paid both cards in full and the one has already updated and my discover has not yet updated. About 15 inqs in the last 6 months. I know terrible right. I want to wait the full 2 years for them to fall completely off but idk if i can be that strong.

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15 inquiries in 6 months is a lot by any measure. While you may not feel like waiting 2 years, you definitely should wait at least 6 months before any further apps and preferably a year.