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AMEX Pulling TU

Member

AMEX Pulling TU

So I got AMEX letter explaining why I got denied for the BCP.. They pulled my TU FICO and its just too low at 649...

9 REPLIES
Valued Contributor

Re: AMEX Pulling TU

You live in California?

 

Your EX report frozen?

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Valued Contributor

Re: AMEX Pulling TU

did they double pull? and tu was the deciding factor? 

they triple pulled me for my zync. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Senior Contributor

Re: AMEX Pulling TU

I got my TU pulled at 696, and got approved. I think they try to approve you when they pull TU...

I.e. "borderline approval"
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
Highlighted
Valued Contributor

Re: AMEX Pulling TU

Please let us know if they pulled your EX as well.

Valued Contributor

Re: AMEX Pulling TU

I hope they start pulling TU a little more. It has my lowest number of inq.


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
Senior Contributor

Re: AMEX Pulling TU

Well, they pulled all three for me, but approval was based on TU. I don't even really think my 696 TU FICO was higher than my others at all. My exp would have been highest.
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
Frequent Contributor

Re: AMEX Pulling TU


youngandcreditwrthy wrote:
Well, they pulled all three for me, but approval was based on TU. I don't even really think my 696 TU FICO was higher than my others at all. My exp would have been highest.

Very similar situation.  Verified triple-pull, landed on TU @ 680.  I see it as trading INQ's for a backdated TL.


GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.


Minor vulgarity edit --Rev



Moderator Emerita

Re: AMEX Pulling TU

They pulled all 3 for me and I was still declined.  My TU score was 707 - I have a lot of inq's on TU ( 6 GE Cards last year) and if they were 'trying' to approve me I'm sure that was the death nail.  

 

Guess I was hoping the EXP would be good enough but I will wait until the fall and try them again. 

Member

Re: AMEX Pulling TU

Nope, they just pulled TU and said the score was too low