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BOA inquiry falling off of Experian after a week?

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Winchester2005
Valued Member

BOA inquiry falling off of Experian after a week?

So I applied for a Bankamericard, I got the 7-10 day message. Inquiry popped up on my Experian report.

 

I later got a letter in mail thinking I was declined, but it told me to call a number for more information. Called them, and they just said there's a lot of fraud going on, so they just had to double check some of my info.

 

After placing me on hold, I got approved with a line of 3700,  but perhaps what's most weird/exciting is today the BOA Inquiry fell off of my Experian report.

 

Has this ever happened to anyone else, and why would it happen?

Message 1 of 4
3 REPLIES 3
pizzadude
Credit Mentor

Re: BOA inquiry falling off of Experian after a week?

Congrats on the approval!  Smiley Happy

 

My guess is that the inquiry will re-appear shortly, it's probably some kind of a reporting glitch.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 2 of 4
Junejer
Moderator Emeritus

Re: BOA inquiry falling off of Experian after a week?

Congrats on your approval. Yeah, it will probably show back up, but here's hoping it doesn't. Smiley Wink







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Current Score: 846
Goal Score: 850

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Message 3 of 4
coldfusion
Community Leader
Mega Contributor

Re: BOA inquiry falling off of Experian after a week?

I'm thinking there might possibly have been a process breakdown within BoA where someone jumped the gun and processed an inquiry withdrawal request before the fraud detection team finished confirming that the application was in fact legitimate.

 

The sleeping dog may or may not left to lie, cross your fingers and hope for the best.

(11/2024)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

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Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 4 of 4
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