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So by definition or law pre approval inquiry question?


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Got a hard inquiry today thinking it was a soft pull from BOA.
 

Can someone educate me, is there any law that regulates creditors from abusing the pre approval term and still giving you a hard inquiry?

 

Bank of America has a pre approval but no where did it say anything about hard inquiry? 
 

Unlike other companies that say pre approval actually obey the law and don’t give you a hard inquiry.

 

 

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  • 2 weeks later...

On 4/2/2024 at 11:06 PM, Killbadcredit said:

Bank of America has a pre approval but no where did it say anything about hard inquiry? 

 

From what I can see, the pre-approval form for BA returns a list of cards for which you likely will be approved upon application.

 

Did you proceed from this to request approval for one of the suggested cards?  (Nothing in the pre-approval itself should have generated a hard inquiry.)

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On 4/16/2024 at 6:23 PM, hdporter said:

(Nothing in the pre-approval itself should have generated a hard inquiry.)

For that matter nothing in the pre-approval itself could have since it is only the last 4 digits of your SS#

 

Or in BofA speak "personalized credit card offers"

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