Reply
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

11 days and counting :(

[ Edited ]

T+11 days and counting.  On 11/15 I was eligible for 61 day 3x CLI request on my AMEX Delta card.  Its getting to sound like a broken record but AMEX hasn't updated their SP of me yet.  The last one was 10/18 and the actual review was 10/27.  CSR said they would do one once a month on new account.  Well, its been a month go ahead and SP me already!

 

I'm going to have non-optimal utilization reporting next month (holidays) and new NFCU cc reports around 12/9.  I want to ask for CLI before 12/6.  My EX score is around 700 on AMEX last report but its actually probably closer to 720 with updated UTIL.  (I know this post is repetitive of my earlier posts, but Im getting so close to saying what the hell and requesting it anyways!)



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Frequent Contributor
Posts: 359
Registered: ‎04-28-2012
0

Re: 11 days and counting :(

What are you using to monitor your SPs? My 61 day point will be in January so I'd like to get an idea of how often and when AMEX is SPing me.
TU: 752 (4/13/15) | EQ: 761 (1/18/15) | EX: 760 (1/18/15)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $8,500 (10/2012); Chase Amazon Rewards, $7,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $15,000 (01/2013); Barclaycard Arrival+, $10,000 (07/2013); Chase Hyatt, $7,000 (09/2013)
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: 11 days and counting :(

Where do you check to see if CC company soft pull you ???


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

Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: 11 days and counting :(

http://ficoforums.myfico.com/t5/General-Credit-Topics/Which-quot-Monitor-quot-shows-the-soft-pulls/t...

 

 



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: 11 days and counting :(

I have to look into who has been SP me.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: 11 days and counting :(

Just to update.  There is no logic to their SP's.  I went 2 months between pulls while I was waiting to 3xCLI request.  Recently, on Nov 30 they SP'd EX and on Dec 16 they did it again (AMEX Account Review).  Its possible that the other SP was for marketing and the last one for account review only.  I have SP's on my EX report under three different AMEX alias.

 

Who knows with them?



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.