Pulling your own credit report affects

[Anonymous]

Does pulling your own credit reports from 3 bureus affects your credit score and leave anything negative?

[Anonymous]

No it does not negatively effect your credit at all.

[Anonymous]

Thanks @doinit1. Do you know offhand if BofA will do a hard or soft pull ? I have never requested for credit limit increase last 10 years. Twice they was an auto increase and the last one was in sep 2016. If I do it now online, do you if that will be a hard or soft? or do you feel its better to call them up and ask?

[Anonymous]

Bank of America will HP your credit (TU) for credit line increase but it will be well worth the pull. My TU score was 724, 3000 balance and 21 inq. They doubled my limit 7500>15000.....this was after only having the card for 2yrs. It was actually a partially secured card March 2015...graduated March of 2016 and went to 1500...got a soft pull cli for 1000 taking it to 2500...HP cli to 7500 and then finally HP cli to 15000....I just used the link to request...I dont believe it will matter if you use the link or call.....good luck.

[Anonymous]

I may also apply for a personal loan 10k shortly. so will this BofA HP affect that? Please advise

HP history

---------------

Nov 22, 2016 - HP - Mortage Lender A

Jan 17, 2017 - HP - Mortage Lender B

April 19, 2017 - HP - Mortage Lender B final pull before closing. Closed on May 26th.

Current Score : 700s

[Anonymous]

What are your total inq for each bureau. It doesn't look like you have a lot of them. The idea is not to look like you are aggresively seeking credit (unlike myself at times).....

[Anonymous]

In the last 7 months, 6 hard inquiries and of them... 3 are by same mortgage lender

[Anonymous]

With limited information about your credit profile, it's hard to say but with the inofrmation that you shared (scores in the 700's and limited inqs) I believe you will be good. When you request your increase, shoot high and I think you will be plesantly surprised. Check back and let us know how it went. Rooting for you...good luck!!....

[Anonymous]

If I shoot high and they cannot give me that much, will they automatically declined or show me a lesser amount?

[dragontears]

They should counter with a lower amount if you don't qualify for the amount requested