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Bank Of America

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BobbyJ
Frequent Contributor

Bank Of America

Does anyone know if BOA pulls a hard to open a checking account?  I opened a Schwab Checking account 2 months ago and dont want another hard pull.

 

Thanks,

Bobby

Fico 8 Scores: EX: 787 (6/25/21) EQ: 788 (6/12/21) TU: 750 (2/21/21)
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Ch7 BK Filed on 10/13/2013 - Discharged 1/14/14



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Message 1 of 7
6 REPLIES 6
BobbyJ
Frequent Contributor

Re: Bank Of America

Bump*

Fico 8 Scores: EX: 787 (6/25/21) EQ: 788 (6/12/21) TU: 750 (2/21/21)
Fico 9 Scores: EX: 799 (11/9/20) EQ: 794 (10/13/20)

Ch7 BK Filed on 10/13/2013 - Discharged 1/14/14



Amex Blue Cash Preferred $15K | Amex Gold Card | Citi Costco Visa $7700 | USBank Altitude Go Visa Sig $10K | USBank Cash+ Visa $8K | C1 Savor MC Elite $15K | C1 Venture One $10K | C1 Quicksilver Visa Sig $10K | C1 Quicksilver WMC $10K | Penfed Plat Rewards Visa $9,500 | Penfed Power Cash Rewards Visa $11K | Discover IT $7500 | USAA Pref Rewards Visa $5K | Penfed Path Visa $10K | Logix FCU Plat MC $12K | SDCCU Plat Visa $2,500 | Best Buy Visa $2K | Chase Amazon Prime Visa Sig $500 | Consumers CU Visa Cash Rebate $5K | PNC Points Visa $2500 | JCPenney $1,800 | Abound CU Plat Visa $5K | Lowes $7K | HSN Card $3K | Walmart MasterCard $2K | Walmart Store Card $2K | Kohls $1K | Target Red Card $800 | QVC Card $800
Message 2 of 7
Chaos122
Regular Contributor

Re: Bank Of America

They dont pull your credit,  I think they check chexsystems, but not your credit,  Since when do bank's check your credit for a checking account,  i thought only CU's do that.. Ive had many bank acconts and theyve never checked my credit.


Starting Score: TU 608, Eq 618
Current Score: TU 797 Eq 792, Ex 805 (psecu)
Goal Score: 840 across the board


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Message 3 of 7
haulingthescoreup
Moderator Emerita

Re: Bank Of America

 


@Chaos122 wrote:

They dont pull your credit,  I think they check chexsystems, but not your credit,  Since when do bank's check your credit for a checking account,  i thought only CU's do that.. Ive had many bank acconts and theyve never checked my credit.


It's the newest thing.  Smiley Tongue

 

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 4 of 7
Anonymous
Not applicable

Re: Bank Of America


@BobbyJ wrote:

Does anyone know if BOA pulls a hard to open a checking account?  I opened a Schwab Checking account 2 months ago and dont want another hard pull.

 

Thanks,

Bobby


It's been quite a while since I've openend my BoA checking account, but they did pull a hard.

Message 5 of 7
lamb
Member

Re: Bank Of America

I opened a checking account with BofA just over a year ago and there was a hard pull.

Message 6 of 7
IOBA
Senior Contributor

Re: Bank Of America

I had added DH to my account a few years ago. 

 

About 9 months later, they sent HIM cash advance checks (HIS name only, even thought it's a joint account with me primary).  Smiley Surprised  I guess they thought they could make money of him....ya know, get him to spend my money?  He's not on my cc's.

 

He use to have a card with them that was closed back in 2008, before he was added to my account.  And they linked his old cc log on information to accessing the bank account.  So weird!  There was a gap of like a year between closing the card and my adding him to the account.

 

 

Message 7 of 7
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