How to avoid/stop from getting a hard credit inquiry?

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Green Member
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How to avoid/stop from getting a hard credit inquiry?

Postby Hepsta » Tue Jul 03, 2012 9:27 pm

I am pre-approved for the BankAmericard Cash Rewards Visa- I am using BofA for a home loan of which I close 7/9. They pulled my credit about 3 weeks ago.

Is there a chance they would waive the hard inquiry as they hard pulled my credit within a month's time using my mortgage pull? Has anyone done this before. I wouldn't ask if it wasn't BofA credit card and mortgage. I also bank with them.

Just trying to save a hard inquiry as I've accumulated 4 in the past few months (mortgage pulls rolled into one).

Thank you. Hep.
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Postby Ratfacedudeguy » Wed Jul 04, 2012 12:10 am

I don't know what Bank of America's policy is but I know that my credit union would use the same credit report. It's worth a shot asking them. I'd try going for it at a branch if at all possible to avoid any potential communication barriers with outsourced CSRs.
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