**BOA New CLI Policy**

[MrCredit]

I talked to three different analysts on the phone number in the forum for

the credit dept. They state they will do a hard pull on EX for all new CLI 

requests. This apparently is a new policy they have instituted. I cancelled

my request. The site does a soft and they follow up with a hard. From 

another poster in the forum just a couple of weeks ago they did the same thing

to him. 

That sucks! 

[fused]

My wife is not going to like this change. For years, she always received CLIs without a hard pull.

[KIPPIE12]

Sounds like Barclays and Chase.  Maybe some tightening up is on the way?  Wonder if Citi will follow suit.

[jason86423]

My latest Citi CLI was indeed a hard inquiry.  Citi seems hit and miss on theirs though.  For me it has been every other CLI request has been a hard pull.

[Anonymous]

This is indeed very new. I just got a CLI a few days ago with no HP.  I think it's a good idea to freeze the reports.

[Anonymous]

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@Anonymous wrote:

This is indeed very new. I just got a CLI a few days ago with no HP.  I think it's a good idea to freeze the reports.

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unless i'm mistaking, freeze would not prevent a hard pull in this scenarion. exhisting accounts still have access to your reports, even if frozen. i could be wrong though.

[FinanceGuy007]

@Imducky  I think that they (existing creditors) can only do a soft when they are reviewing accounts if the profile is frozen.  To have permission to do a HP the consumer would have to unfreeze the report to allow the hard pull.

[Anonymous]

Well, I just put in a request online for a CLI, it pulled soft for me so far. We will see if I get a hard down the road. 

[Anonymous]

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@Anonymous wrote:

Well, I just put in a request online for a CLI, it pulled soft for me so far. We will see if I get a hard down the road. 

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Please do report back the results, I was going to put in for a CLI Dec 5th.

FWIW, I also spoke to two different reps before my last CLI and they both told me it would be a hard (they both said 100% guaranteed a hard) I clicked the luv button Sept 4th, Sep 6th logged into my online account and it reflected a 10K limit, soft pull only EX.

[Anonymous]

Just got mine. No follow-up hard pull. Last CLI from in June for $1000 to $1500, this time $1500 to $4000.

Factors for success(I think):

1. Don't call - they worst they can do is to deny you. 

2. Do it s moderately long intervals, my last three were 5 to 6 months apart. 

3. Ask for a limit close to the highest you have reporting on your report, should go through fairly easily. 

4. Having no balance probably helps - the case for me for the last two times. 

Also, I think BOA reports new limit in a few days after approval - a plus if you want to reduce your util in a bind.