Secured BofA Graduation Strategy

[Anonymous]

Curious if any of you Secured BofA cardmembers have any suggestions on requesting graduation.

I'm curious what type of pull they will generate upon requesting graduation?

Who will they pull?

Initial AF of $39 issued on 2/28/17.  So, i'm 4 days from the 1 year mark.

Current Util <2%.  Was at about 98% in September and October.

Any help/information is greatly appreciated!

Peace!

[Anonymous]

This is the credit card approval section. Please have a mod move it to the "credit cards" section. 

[Anonymous]

Moderator:

Can you please move to the Credit Card Board?

My apologies for the mispost!

Thank you!

[Anonymous]

It will be moved shortly. 😊

[AverageJoesCredit]

Boa will normally pull TU for cli requests. Some exceptions may happen. Many times they pull EX for new cards fyi.

[Anonymous]

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@AverageJoesCreditwrote:
Boa will normally pull TU for cli requests. Some exceptions may happen. Many times they pull EX for new cards fyi.

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Thanks AJC.

What do they pull, if anything, for secured graduation?

[Anonymous]

Anyone know what they pull and who they pull for secured graduation?

Thanks.

[Namaste7]

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@Anonymouswrote:

Anyone know what they pull and who they pull for secured graduation?

Thanks.

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Transunion.

Don't be surprised if the auto-graduation occurs after the 12th or 13th statement and not 12 months from the approval date. 

[Anonymous]

Thanks for the response, Namaste!  I'll keep that in mind!

[Anonymous]

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@Namaste7wrote:

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@Anonymouswrote:

Anyone know what they pull and who they pull for secured graduation?

Thanks.

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Transunion.

Don't be surprised if the auto-graduation occurs after the 12th or 13th statement and not 12 months from the approval date. 

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I just went and counted.  12th statement cut on 2/11/18.

Do you know if it's a hard pull or a soft pull, Namaste?

Thinking about calling them tomorrow morning!

Thanks!