Credit Cards Center Credit cards from our partners
Reply
Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

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
Established Contributor
Posts: 504
Registered: ‎08-28-2012
0

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.

Established Contributor
Posts: 766
Registered: ‎01-16-2012
0

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

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
Highlighted
Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

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

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

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 internal myFICO analysis of 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. These ranges were not provided by any card issuer.

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.