Credit Cards

[youngandcreditwrthy]

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

[djrez4]

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.

[Cdnewmanpac]

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.

[Duncanrr]

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

[youngandcreditwrthy]

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