10-15-2012 06:01 PM - edited 10-15-2012 06:01 PM
The theme asks the question itself, I read before somewhere that if you get denied, they only do a soft pull on your credit report. Is this still true ? Can couple people confirm whether this is (still) the case?
10-15-2012 06:03 PM
It depends, are you already an Amex member? If you are then denial is an sp
10-15-2012 06:06 PM - edited 10-15-2012 06:09 PM
I am not a member yet, they have been soft pulling me for over a year, I am pre approved for Blue, Gold Charge Card, Zync, and Starwood GP.
10-15-2012 06:09 PM
Unfortunately they will do an hp even if you are denied since you are not yet a member. Amex soft pull denials only apply for current members.
10-16-2012 09:53 PM - edited 10-16-2012 11:01 PM
Ok buddy, thanks for the info, I thought it was like that at the end but better make sure.I am gonna lay low couple of months before I apply.
Anyway, these were great few weeks for me: I got a new US Bank Cash + Visa S. 11500 limit+4000$ line of credit, Got FT Knox visa platinum for gas 5% 2500$, and I got CLI on my BOA 123 Cash Rewards up to 12K, and CAP One Platinum MC CLI from 750 to 5K , and i got my Chase Freedom from before at 5400$ so I am good for some time.
Not bad for 29 months of perfect credit history LOL
10-16-2012 10:29 PM
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.
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.