cancel
Showing results for 
Search instead for 
Did you mean: 

BofA cli's is it hard pull?

tag
mikka1
Frequent Contributor

Re: BofA cli's is it hard pull?

Just wasted TU HP on BofA CLI Smiley Sad - tried to increase from $500 CL after 6th statement, got a call from credit analyst who basically explained me that I've been doing a great job managing my credit, but my overall credit history was too short, so he couldn't offer me any increase, even the smallest one...

 

My first HP in 2012 ended with nothing Smiley Very Happy, will probably need to calm down and wait at least for several months more...

 

BTW, do you think it makes sense to try to recon this? It seems the analyst had quite a strong point (length of credit history) and even my explanations that I can't buy a single air ticket to Europe using this card wasn't of any help... 

 

Added: BTW, beware - looking at my report, HP has been placed on my report on Saturday night, right at the time I clicked luv button in my Online banking, so seems it's a fully automated HP initiated by the system, not by the analyst when he's reviewing the file.  

In my wallet now: Amex PRG NPSL, Amex BCE $15k $17k (thanks to recent CLI), Chase Freedom 11k, CSP $6k, Chase United ME $5k, Citi Dividend $5.6k, Discover It $4.5k and a handful of other cards...
TU Dec 2013 - 752Sep 2013 - 764 - new all time maximum

Obsolete data aboveCurrent TU - probably around ~810, only using a few Chase & BofA cards now, not applying for much until we buy a house
Message 11 of 25
flowfaster
Established Contributor

Re: BofA cli's is it hard pull?

At least you guys have a luv button . BoA took mine away for no reason. **bleep** it is nowhere to be found.
Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Message 12 of 25
lolabelle
Regular Contributor

Re: BofA cli's is it hard pull?

I just got a CLI this morning and the rep said it would be a soft pull.  I was compressing the CL from one BoA card into another, though, so it might be different under those circumstances.

- Scratch that. It was a HP after all. It just showed up on my TU report. Blurgh.

Starting Score: 732 (EQ)
Current Score: EQ 08 - 837! Whoo!! (5/14/14);EQ 04 - 795! (5/15/14) 748 (TU - 5/21/12); 760 (EX - 4/16/12 AMEX pull)
Original Goal Score: 760+ EQ --> decimated!
New Goal Score: Just keep swimming...


Take the FICO Fitness Challenge






Message 13 of 25
mikka1
Frequent Contributor

Re: BofA cli's is it hard pull?

If I knew the outcome upfront, I wish I didn't have it either Smiley Happy

In my wallet now: Amex PRG NPSL, Amex BCE $15k $17k (thanks to recent CLI), Chase Freedom 11k, CSP $6k, Chase United ME $5k, Citi Dividend $5.6k, Discover It $4.5k and a handful of other cards...
TU Dec 2013 - 752Sep 2013 - 764 - new all time maximum

Obsolete data aboveCurrent TU - probably around ~810, only using a few Chase & BofA cards now, not applying for much until we buy a house
Message 14 of 25
dead9uy
Valued Member

Re: BofA cli's is it hard pull?

I have the Alaska Airlines Platinum Plus. Have had it for close to a year and recently hit the luv button. Wasn't instant but I logged in a few days later and they bumped me from $2,500 to $5,000 and it was a soft. 

Message 15 of 25
frogfan12
Established Contributor

Re: BofA cli's is it hard pull?

My last two CLI requests have actually been answered via soft pull. The most recent request was back in December, I believe.


Starting Score: 760
Current Score: 716 Equifax 754 TU 736 Experian
Goal Score: 760
Message 16 of 25
tennisfan78
Established Contributor

Re: BofA cli's is it hard pull?

I have the BOA card with a limit of $500, and its been 5 months. Always paying in full. Tempted to try the credit limit increase button. Currect scores TU: 725, EQ:702 

Any suggestions? Also, will it for sure automatically result in a hard pull?   Also, I heard recently that BOA is cancelling accounts as soon as any special request is made, is that still true?

 

Thank you


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 17 of 25
Anonymous
Not applicable

Re: BofA cli's is it hard pull?

I'm currently on my account online trying to get a specialist to talk to and see what they can tell me.

Message 18 of 25
tennisfan78
Established Contributor

Re: BofA cli's is it hard pull?

Thanks logon, please keep us updated on what they tell you.

 

 


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 19 of 25
Anonymous
Not applicable

Re: BofA cli's is it hard pull?

LOL everytime I refresh the page, the little box disappears as if it isn't supposed to be there in the first place. Do you have access to online chat on your account page?

Message 20 of 25
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.