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61st Day AMEX CLI - Soft pull question

Senior Contributor

Re: 61st Day AMEX CLI - Soft pull question

wow.. this was a great question... Ive noticed that all of the lenders are starting to base clis off of sps.  They used to not do that :-(

 

Meh, guess I better make sure all of my balances are properly reporting for Amex soft pulling me LOL if I want that 3xcli.

 

How are you able to see that they are softing you, and what report(s) do they typically do the sps??

 

lol

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 11 of 15
Established Contributor

Re: 61st Day AMEX CLI - Soft pull question

Amex always softs Experian for me.  My understanding is that it's their favorite CRA.  Some credit monitoring services will show soft inquiries.  I only see mine right now because I still have access to the results of a recent dispute.

Message 12 of 15
Established Contributor

Re: 61st Day AMEX CLI - Soft pull question

are you checking all three? amex always hard pulls exp for me, has softed exp once in 7 most, but softs tu every month on the 28th. so they don't just pull from one. I am pretty sure they used tu to approve me for my Hilton surpass and for my cli, even if after approval they pulled exp.
In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.
Message 13 of 15
Valued Contributor

Re: 61st Day AMEX CLI - Soft pull question

no. I need to check my TU report. I'll wait a little longer and pull after new UTIL updates.


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
Message 14 of 15
Highlighted
Senior Contributor

Re: 61st Day AMEX CLI - Soft pull question

Hmmm welll Amex based my approval on TU, so perhaps that is indicative of their future soft pulling habits. I was just recently denied a cli on a GECRB account. That means I can get a copy of my TU report for free (within 60 days) LOL. I love the CARD Act for that!! 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 15 of 15