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CLI request BOA..and they said nope with HP

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Established Contributor

Re: CLI request BOA..and they said nope with HP

B33is, lol.

Ok.
Discover IT $19,000 == 12/2013
AMEX 12/2013 ---BCP $12,000 === BC $23,000 ----- 04/2014
CHASE SLATE $5,700 === 12/2013
BoA 123 $6000 === 12/2013
Barclay Rewards $1500 == 12/2013
Message 11 of 23
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Moderator Emeritus

Re: CLI request BOA..and they said nope with HP


@Fico2Go wrote:
B33is, lol.

Ok.

I would love to see proof that BoA hard pulled your credit report, with said report frozen, then ask you to unfreeze the report, so they can pull it.  I'm done arguing my point, but if your report is frozen, there was no HP.  Go refresh your credit reports and see for yourself.

Message 12 of 23
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Established Contributor

Re: CLI request BOA..and they said nope with HP

I think u are confused between HP and hard inquiry.
HPing on frozen report will return no inquiry.

This was a calculated strategy to see if boa would approve the cli on a sp.

I understood your point but I was going one step deeper.
Discover IT $19,000 == 12/2013
AMEX 12/2013 ---BCP $12,000 === BC $23,000 ----- 04/2014
CHASE SLATE $5,700 === 12/2013
BoA 123 $6000 === 12/2013
Barclay Rewards $1500 == 12/2013
Message 13 of 23
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Moderator Emeritus

Re: CLI request BOA..and they said nope with HP


@Fico2Go wrote:
I think u are confused between HP and hard inquiry.
HPing on frozen report will return no inquiry.

This was a calculated strategy to see if boa would approve the cli on a sp.

I understood your point but I was going one step deeper.

Definition of 'Hard Inquiry'

 

A type of credit report check that may lower an individual's credit score. A hard inquiry occurs when an individual applies for any type of credit, such as a mortgage, credit card or auto loan. The reason a hard inquiry may lower an individual's credit score is because someone who has recently applied for new credit is seen as a potentially riskier borrower. Also called a "hard pull."

 

Message 14 of 23
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Super Contributor

Re: CLI request BOA..and they said nope with HP

Everyone's credit plans are different but personally i don't think it would been too much a waste of a Hard Inquiry especially when the analyst apparently had their mind made up to bring that current limit to 10K. Some would take that any day from BofA. Just sayin'

Message 15 of 23
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Established Contributor

Re: CLI request BOA..and they said nope with HP

No. That definitions needs updating.

A hard inquiry is often the result of a hp.
But not in the case of a frozen report.

Discover IT $19,000 == 12/2013
AMEX 12/2013 ---BCP $12,000 === BC $23,000 ----- 04/2014
CHASE SLATE $5,700 === 12/2013
BoA 123 $6000 === 12/2013
Barclay Rewards $1500 == 12/2013
Message 16 of 23
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Established Contributor

Re: CLI request BOA..and they said nope with HP

Creditmagic, I did not clarify that the 10,000 figure was requested by me via the website.
Discover IT $19,000 == 12/2013
AMEX 12/2013 ---BCP $12,000 === BC $23,000 ----- 04/2014
CHASE SLATE $5,700 === 12/2013
BoA 123 $6000 === 12/2013
Barclay Rewards $1500 == 12/2013
Message 17 of 23
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Valued Contributor

Re: CLI request BOA..and they said nope with HP

It is you that is confused. Hard inquiry and hard pull are the same thing, but people say different terms. They tried to pull, but couldn't because it was frozen. I've never seen someone get an inquiry with a frozen report and the lender come back saying it is frozen so they see nothing.

Message 18 of 23
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Valued Contributor

Re: CLI request BOA..and they said nope with HP

OP, I think you're confused.

 

BoA could not possibly conduct a hard pull through a frozen report unless you explicitly provided them a one-time PIN.

 

While they may have attempted the HP, they were disallowed from doing so.

 

Which is why they subsequently explained they could only process the CLI request if you allowed them access to your CR.

 

 



Message 19 of 23
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Established Contributor

Re: CLI request BOA..and they said nope with HP


@Involver wrote:

OP, I think you're confused.

 

BoA could not possibly conduct a hard pull through a frozen report unless you explicitly provided them a one-time PIN.

 

While they may have attempted the HP, they were disallowed from doing so.

 

Which is why they subsequently explained they could only process the CLI request if you allowed them access to your CR.

 

 




 

It was how I had planned it from start to finish.  

 

They obviously had access to my CR from the many SPs they conducted in the past few months. I was hoping they could attempt a HP and failed.. and luckily for me decided to go with the SP report they have on file. 

 

So no I am not confused.  It was a calculated strategy which failed.

 

 

 

Discover IT $19,000 == 12/2013
AMEX 12/2013 ---BCP $12,000 === BC $23,000 ----- 04/2014
CHASE SLATE $5,700 === 12/2013
BoA 123 $6000 === 12/2013
Barclay Rewards $1500 == 12/2013
Message 20 of 23
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