Unauthorized hard inquiry BOFA!!!

Anonymous · ‎12-16-2012

It should be common knowledge by now that most CSR's do not know the difference between a soft or hard pull. Just the virtue of you having their credit card gives them permissible purpose to pull your credit. This was not anywhere close to an unauthorized inquiry.

frddlawson · ‎12-16-2012

Well guess what my friend, I havent been on this board. And Im still learning about the intricate details of credit cards, credit scores, and credit all together. So if my replies seem somewhat ignorant, maybe it is. However, I am only venting my frustration on what has happened. So please forgive me if my replies seem somewhat off the norm.

frddlawson · ‎12-17-2012

Ok, i got the credit line increase so no harm done. From $2500 to $4000.

Jutz · ‎12-17-2012

Congrats!

Also, I didn't know BOA pulled TU. Is this the norm?

Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
Starting total revolving credit: $1100 | Current total revolving credit: $36,700
Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014

Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000

Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL

frddlawson · ‎12-17-2012

Not sure. But every time they pulled my credit, the inquiry is on TU. So i assume it is the norm.

Epcot · ‎12-18-2012

Congrats on the increase, at least it wasn't a wasted HP!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841

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Re: Unauthorized hard inquiry BOFA!!!

Re: Unauthorized hard inquiry BOFA!!!

Re: Unauthorized hard inquiry BOFA!!!

Re: Unauthorized hard inquiry BOFA!!!