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@Anonymous wrote:
I recently applied as a current customer and they pulled a report that was a month old. I would definitely wait until it updates with the AMEX myFICO tool and maybe even a few more weeks after that. Hope this helps!
+1 AMEX is known to use old pulls when apping for current cardholders so definitely wait at least a month for AMEX to SP a fresh report.
AMEX PRG was a HP for me but that was after a SP for CLI and I didn't mind the've been terrific worth the hit.
@Anonymous wrote:
DH has a BCE and Green. His EX just became completely clean yesterday due to 3 mo EE...no more BK!
His Amex statement cut on the 11th and his FICO updated then too. If he applies for another Amex now will they pull an updated report (clean) vs using the SP they most recently pulled (has BK)?
OP, I spoke to 2 reps last week, and chatted with one to get this info -
If you an existing member and are prequaled for a card, then Amex uses old SP.
If you an existing member and are Not prequaled for a card, then Amex does a HP.
I hope this helps.
@Anonymous wrote:
@Anonymous wrote:
DH has a BCE and Green. His EX just became completely clean yesterday due to 3 mo EE...no more BK!
His Amex statement cut on the 11th and his FICO updated then too. If he applies for another Amex now will they pull an updated report (clean) vs using the SP they most recently pulled (has BK)?OP, I spoke to 2 reps last week, and chatted with one to get this info -
If you an existing member and are prequaled for a card, then Amex uses old SP.If you an existing member and are Not prequaled for a card, then Amex does a HP.
I hope this helps.
That is great information!
@Anonymous wrote:
@Anonymous wrote:
DH has a BCE and Green. His EX just became completely clean yesterday due to 3 mo EE...no more BK!
His Amex statement cut on the 11th and his FICO updated then too. If he applies for another Amex now will they pull an updated report (clean) vs using the SP they most recently pulled (has BK)?OP, I spoke to 2 reps last week, and chatted with one to get this info -
If you an existing member and are prequaled for a card, then Amex uses old SP.If you an existing member and are Not prequaled for a card, then Amex does a HP.
I hope this helps.
Interesting, so I'm guessing that "you are pre-qualified" language actually means something when you browse the card lineup and click on a card. Thanks for the info.