Success Freezing Experian with BOA?
Jan 11, 2016, 10:29 am
#1
Original Poster
Join Date: Feb 2015
Posts: 31
Success Freezing Experian with BOA?
I applied for a few BOA cards last week and was declined due to too many inquiries - not with BOA, just in general on the Experian report. I also got a bit of a lecture for the CSR. The second CSR was a bit more helpful and asked some questions but still, no dice.
My oldest cards are with BOA and I offered to move some credit but nope.
Has anyone had luck with freezing experian (which has by far the most inquiries of the 3 bureaus) and reapplying to BOA?
My oldest cards are with BOA and I offered to move some credit but nope.
Has anyone had luck with freezing experian (which has by far the most inquiries of the 3 bureaus) and reapplying to BOA?
Jan 11, 2016, 1:28 pm
#2
Join Date: Mar 2015
Posts: 283
Not quite your case, but I froze EX and EQ before applying to the old Fidelity Visa card (serviced by FIA). I was initially rejected, but they called me up the next day about the application and I allowed the credit analyst to pull TU. That resulted in an approval.
Your case is a little different, as you just applied and were rejected. I'm not sure how that would affect the outcome. It might be worth waiting a month or so then trying to apply again with EX frozen.
Your case is a little different, as you just applied and were rejected. I'm not sure how that would affect the outcome. It might be worth waiting a month or so then trying to apply again with EX frozen.
Jan 12, 2016, 3:47 pm
#4
Join Date: Nov 2008
Programs: SPG Gold, Hilton Diamon, IHG Spire
Posts: 374
OP, of course, you should try next time.
Jan 15, 2016, 2:38 pm
#5
Original Poster
Join Date: Feb 2015
Posts: 31
Well, all I can say is that 17 was definitely too many and got me a little lecture.
I'll try when BoA comes back up in my queue, since these applications, some of my trip plans of changed so my card priorities have changed as well.
I'll try when BoA comes back up in my queue, since these applications, some of my trip plans of changed so my card priorities have changed as well.