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Amex 3xcli SUCCESSFUL!!! To $10.5k

Valued Contributor

Re: Amex 3xcli SUCCESSFUL!!! To $10.5k


nicholasyud wrote:

youngandcreditwrthy wrote:
Thanks!!!! I think I check my reports more than my creditors do btw lol... I wonder if they can see me sp'ing my own report checking their sp on my report lol!

They based it on an Exp soft pull btw!

i sure they can but i wonder how you can check if some1 soft you ??? I try the disputed method but it didnt work that way. ;-(

 


I'm pretty sure the idea of the SP is that no one else can see that.  Only hard inquiries are visible to creditors.


In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Message 11 of 30
Senior Contributor

Re: Amex 3xcli SUCCESSFUL!!! To $10.5k

Just keeping working towards it!!! With credit, goals are everything!

You have to pull your exact/actual report to see if you are getting sp'ed. They are listed in the "credit inquiries viewed only by you" section of a real report. Credit Karma, Quizzle, etc. will not show you sps.
I dont think you can get a higher than 3xcli at a time with Amex-not sure though. And if you want higher than $25k, they will want tax/income info.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 12 of 30
Senior Contributor

Re: Amex 3xcli SUCCESSFUL!!! To $10.5k

Yeah... That makes sense now that Im thinking about it-that only you can see the sps. Hahah. Credit is such a game. Timing when to app or get clis haha.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 13 of 30
Valued Contributor

Re: Amex 3xcli SUCCESSFUL!!! To $10.5k

great job!
5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 14 of 30
Valued Contributor

Re: Amex 3xcli SUCCESSFUL!!! To $10.5k


youngandcreditwrthy wrote:
Just keeping working towards it!!! With credit, goals are everything!

You have to pull your exact/actual report to see if you are getting sp'ed. They are listed in the "credit inquiries viewed only by you" section of a real report. Credit Karma, Quizzle, etc. will not show you sps.
I dont think you can get a higher than 3xcli at a time with Amex-not sure though. And if you want higher than $25k, they will want tax/income info.

Where do you pull your report to see your soft ??? I used creditchecktotal but they dont allowed to see who had been soft u.........

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 15 of 30
Highlighted
Established Member

Re: Amex 3xcli SUCCESSFUL!!! To $10.5k


nicholasyud wrote:

youngandcreditwrthy wrote:
Just keeping working towards it!!! With credit, goals are everything!

You have to pull your exact/actual report to see if you are getting sp'ed. They are listed in the "credit inquiries viewed only by you" section of a real report. Credit Karma, Quizzle, etc. will not show you sps.
I dont think you can get a higher than 3xcli at a time with Amex-not sure though. And if you want higher than $25k, they will want tax/income info.

Where do you pull your report to see your soft ??? I used creditchecktotal but they dont allowed to see who had been soft u.........

 



You would have to pull your own report directly from Equifax/Transunion/Experian. If you get it from Credit Karma, Quizzle or FICO, they are the ones requesting your report from the CRA, so they don't get the information on soft pulls. Soft pull information is only available to you, not a third party requesting it like CK, Quizzle or FICO.

Starting Score: 735 (EQ) / 777 (TU)Oct. 2012
Current Score: 761 (EQ) / 752 (TU)Aug. 2014
Goal Score: 800
App free since 19.11.2013. \o/
Message 16 of 30
Valued Contributor

Re: Amex 3xcli SUCCESSFUL!!! To $10.5k


nicholasyud wrote:

youngandcreditwrthy wrote:
Just keeping working towards it!!! With credit, goals are everything!

You have to pull your exact/actual report to see if you are getting sp'ed. They are listed in the "credit inquiries viewed only by you" section of a real report. Credit Karma, Quizzle, etc. will not show you sps.
I dont think you can get a higher than 3xcli at a time with Amex-not sure though. And if you want higher than $25k, they will want tax/income info.

Where do you pull your report to see your soft ??? I used creditchecktotal but they dont allowed to see who had been soft u.........

 


annualcreditreport.com

 

You can pull your report from each of the three major bureaus once a year for free.  This is something EVERYONE should do to check for fraud, appropriate reporting, etc...


In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Message 17 of 30
Senior Contributor

Re: Amex 3xcli SUCCESSFUL!!! To $10.5k

If you get denied credit, including a cli, you get a free copy of the report used as well. Also, pretty sure the CRAs will let you view your reports for free if you need to "dispute" something. Check Experian.com/reportaccess , transunion.com/myoptions, equifax.com/fcra
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 18 of 30
Frequent Contributor

Re: Amex 3xcli SUCCESSFUL!!! To $10.5k

It's certainly a good feeling.  A damn good feeling.  Congrats!

My Wallet:
AMEX Platinum | Discover It $20.3k | Chase Sapphire Reserved $16k | Chase United $12k | AMEX SimplyCash Plus Business $11.6k | AMEX Schwab $9k | AMEX BCEP $8.2k | Citi Costco Anywhere Visa $8k | Chase Amazon Visa $8k | Chase Sapphire Preferred $7k | Chase Freedom $5k | Citi Simplicity $5k | Paypal Extras Platinum $5k | Wells Fargo $5k | Citi Best Buy $4.2k | Citi Visa Signature $3k | Care Credit $3k
Message 19 of 30
Valued Contributor

Re: Amex 3xcli SUCCESSFUL!!! To $10.5k

Congrats OP!

 

To the soft pull questions:  Third parties can't see your SPs, thus Credit Karma, Sesame, even myFico can't report to you your SPs.  You need to pull your report directly from the CRAs to see them.  Experian however allows you to see your profile any time you start a dispute online, so if you begin the dispute process, you can see your full report including SPs for free.  However this is just your EX pulls obviously.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 20 of 30