topic Re: Amex 3x cli results in Credit Cards

Amex 3x cli results

stealthc63 — Thu, 17 Jan 2013 20:21:06 GMT

Maybe this has been posted before but I couldn't find anything. My 61 days is coming up and I was curious what other people's results were when they requested their cli. Please post if you had a balance or not at the time of your request. What your overall approx utl was, how much you asked for and what the result was. I know there are several single posts on this but I think it would be nice to have this on one thread.

Re: Amex 3x cli results

Duncanrr — Thu, 17 Jan 2013 20:32:02 GMT

2% total UTIL
Zero balance on delta card
EX score about 718 at time of request
Prior CL was 2k on delta
Request 6k and instant approval online

Re: Amex 3x cli results

SwiftTone — Thu, 17 Jan 2013 20:43:38 GMT

Its not important what your credit profile is link at the time of CLI request. Whats important is what your credit profile is at the time of their last SP

Re: Amex 3x cli results

Duncanrr — Thu, 17 Jan 2013 20:45:36 GMT

I know. My score was actually around 720 when I requested. The score I listed first was my score on most recent SP prior to request.

Re: Amex 3x cli results

SwiftTone — Thu, 17 Jan 2013 21:36:59 GMT

Duncanrr wrote:
I know. My score was actually around 720 when I requested. The score I listed first was my score on most recent SP prior to request.
It was

It was directed at others who do not know.

Re: Amex 3x cli results

timkrof — Thu, 17 Jan 2013 21:40:39 GMT

I was just appoved for their BCEP card and I am interested to see wich report they pull for their CLI's? Thanks!

Re: Amex 3x cli results

stealthc63 — Thu, 17 Jan 2013 21:47:14 GMT

So are you saying they don't take your current balance into consideration? They use the balance you had when they lost sp'd you?

Re: Amex 3x cli results

bs6054 — Thu, 17 Jan 2013 21:56:52 GMT

Don't think people are necessarily saying that. Amex uses the last SP report, showing your overall credit picture with all your lenders. Presumably they are also free to use your current AMEX balance in making a decision, but we don't know for sure one way or the other.

Re: Amex 3x cli results

Cadillac-XTS — Thu, 17 Jan 2013 21:57:52 GMT

Re: Amex 3x cli results

OhioCPA — Thu, 17 Jan 2013 22:03:02 GMT

What I have done with my Amex CLI request is to make sure my utilization is low on other accounts and my Amex cards are all at zero.

I was originally declined on my first request for a CLI on my BCE, then went from 1,000 to 3,000 to 9,000 on that card with each request. On my HH which started at 10,000, I recently was successful to 25,000. All of this was within a year and half.

Re: Amex 3x cli results

napplegate — Thu, 17 Jan 2013 22:22:17 GMT

Where does one see if AMEX is soft pulling their profile? I don't really want to pay for Experian...

Re: Amex 3x cli results

jake619 — Thu, 17 Jan 2013 22:37:59 GMT

napplegate wrote:
Where does one see if AMEX is soft pulling their profile? I don't really want to pay for Experian...

There are ways. Google is your friend...

Re: Amex 3x cli results

youngandcreditwrthy — Fri, 18 Jan 2013 03:19:41 GMT

You can dispute stuff for free... Credit reports are fillllllled with inaccuracies. Lol;-)

Re: Amex 3x cli results

Creditaddict — Fri, 18 Jan 2013 03:23:26 GMT

timkrof wrote:
I was just appoved for their BCEP card and I am interested to see wich report they pull for their CLI's? Thanks!

EX ONLY

Sometimes TU with original application and rarely but sometimes all 3 but CLI ONLY EX.

Re: Amex 3x cli results

jake619 — Fri, 18 Jan 2013 03:24:18 GMT

youngandcreditwrthy wrote:
You can dispute stuff for free... Credit reports are fillllllled with inaccuracies. Lol;-)

winner winner chicken dinner!

Re: Amex 3x cli results

youngandcreditwrthy — Fri, 18 Jan 2013 22:16:56 GMT

Hahahhah @jake!

That's how they did my 3xcli credit addict. In fact, Amex only sps my exp report for account reviews

Re: Amex 3x cli results

SnackTrader — Fri, 18 Jan 2013 23:05:15 GMT

Www.annualcreditreport.com

You can a receive a free copy of your credit report once annually.

To other members: While disputing inaccurate information is well within a consumer's right and will get a free credit report, let's try to recommend the above site a lot more. I am appalled at how few people know about the site and at how often I am posting about the site after others have directed posters elsewhere, including getting a report through MyFico. Lets try to send people to the free option first and then to all of the other wonderful locations second. I think it is our jobs as consumers to inform each other, and the forums are a great way to inform others about the free options available.

Thanks for listening! (and bring on the consequences of the suggestion)

Re: Amex 3x cli results

Repo-ed — Fri, 18 Jan 2013 23:07:15 GMT

I was under 10% total Util across all cards

$130 reporting on my delta gold (card I requested 3x on)

TU FICO 693 EQ FICO 672

Was approved instantly for 3x

Re: Amex 3x cli results

tdoger — Sat, 19 Jan 2013 04:04:06 GMT

With Experian,unlike the other two, there is no need to even play the "dispute" ruse to see a current report. At the bottom of the Experian dot com home page, there is a link to "View Report Again". You do need to put a valid report number in to gain access, but it will work for many months. I am still using my free one from August. The report that you are viewing is a current real time report, not a copy of what you have aleady seen. And you can see softs. When you log out a pop-up reminds you to write the number down if you want to see your report again "in the neat future. An Experian rep pointed this out to me so I could verify an update he was doing.

Re: Amex 3x cli results

Revelate — Sat, 19 Jan 2013 04:14:47 GMT

tdoger wrote:
With Experian,unlike the other two, there is no need to even play the "dispute" ruse to see a current report. At the bottom of the Experian dot com home page, there is a link to "View Report Again". You do need to put a valid report number in to gain access, but it will work for many months. I am still using my free one from August. The report that you are viewing is a current real time report, not a copy of what you have aleady seen. And you can see softs. When you log out a pop-up reminds you to write the number down if you want to see your report again "in the neat future. An Experian rep pointed this out to me so I could verify an update he was doing.

Interesting, thanks for the tip tdoger.