BoA to stop HPs for CLI’s

[DCnDC]

I tried for my first CLI. The link was there, I had 3 statements issued so went for it. Got the 7-10 day message. Received the letter that said account open less than 12 months and insufficient deposits/investments with them or affiliates. All 3 scores are over 800. Oh well...

[JustBPatient]

25 to 30k......NO HP!!

[GFer]

On 6/18/18 they gave me a 54% inc on cl.  Tried again in 91 days and got the 7-10 letter answer.

Letter says I would have to remove my credit freeze!  hmmmmm

I find that odd, b/c on the same day disco inc my cl by $3,000 with soft pull.

[K-in-Boston]

@GFer while an existing creditor does have permissible purpose to pull even when reports are frozen, it's BoA's policy that they will not extend credit when the borrower's reports are frozen.  You would need to unfreeze prior to asking again.

[yapsalot]

Update: had a credit line increase on June 22, 2018 from $30k, where it had been for several years, to $48k. Was a soft pull. Just requested credit line increase from $48k to $76k, B of A allowed an increase to $60,800. No indication yet of a hard pull but only been a few minutes. Thanks to the OP and all the contributors for helping me double this credit line in just three months!

[Anonymous]

Requested 10k and got 8k

Just went from 3,900 to 8k   

Thanks for the info!

[GetMeSlick]

Hello, Is this CLI a solid SP?

Anyone had the other way, BOFA doing HP for this CLI?

I am planning to hit the CLI link, but then there is a message states "They may pull the credit report"

I havent received any CLI on my Bofa card for 4-5 years. My scores are at 800+

I do have following cards from BOFA

1. two cash rewards cards($1900 each)
2. two travel rewards cards($8000 and $7000)
3. one BBR($2000)

My first mortgage payment/account will hit the CB by october.

[Anonymous]

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@GetMeSlick wrote:

Hello, Is this CLI a solid SP?

Anyone had the other way, BOFA doing HP for this CLI?

I am planning to hit the CLI link, but then there is a message states "They may pull the credit report"

I havent received any CLI on my Bofa card for 4-5 years. My scores are at 800+

I do have following cards from BOFA

1. two cash rewards cards($1900 each)
2. two travel rewards cards($8000 and $7000)
3. one BBR($2000)

My first mortgage payment/account will hit the CB by october.

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A lot of people who tried including myself are SP. With your scores, which is better than most, I would think it's a SP

Good Luck and update us if you do decide to do it!

[yapsalot]

Getmeslick: I was worried about that language on their website also. I think it’s just to protect them or possibly a holdover from the time they did  routinely do hard pulls. I’ve had two credit line increases since they changed the rules in May. If you read this thread you’ll see that there’s only been a very few people have gotten a hard pulls since May and if I recall correctly they may have had some very unusual circumstances. 

[Cred4All]

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@yapsalot wrote:

Getmeslick: I was worried about that language on their website also. I think it’s just to protect them or possibly a holdover from the time they did  routinely do hard pulls. I’ve had two credit line increases since they changed the rules in May. If you read this thread you’ll see that there’s only been a very few people have gotten a hard pulls since May and if I recall correctly they may have had some very unusual circumstances. 

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I was one of those people worried about the language I saw.  I succeeded with a CLI of +10k after calling and requesting it personally, and was confirmed by a CSR it was a SP.