Reply
Frequent Contributor
Posts: 471
Registered: ‎03-29-2011
0

Re: AMEX Triple Pull!

[ Edited ]

The normal scenario is a HP on EX if approved for the second card, so doubtful that it would be three pulls. I was declined on three pulls in May 2010 for the Delta card. The following month one pull only for approval on the Green card. The rest of my cards have come with one HP on EX.

________________________________________________________________________________
New Contributor
Posts: 68
Registered: ‎04-19-2011
0

Re: AMEX Triple Pull!

About the 3X CLI after 61 days, does anyone know if it's better to call or apply online? Or should I wait more than that? I mean they pulled my 3 reports, meaning theyre not comfortable with me, so I was wondering if I should stay under the radar for awhile?

EXP 725 (Amex) EQ 678 TU 735
New Contributor
Posts: 68
Registered: ‎04-19-2011
0

Re: AMEX Triple Pull!

I should add that I am not in a hurry for that 3X CLI ... Chase gave me 5K, Discover 3K and BofA 2K ... I am a student so my credit is more than good enough right now.

EXP 725 (Amex) EQ 678 TU 735
Valued Contributor
Posts: 2,505
Registered: ‎11-11-2010
0

Re: AMEX Triple Pull!


mustangy wrote:
congrats they hard pulled me on all 3 to. do they hard pull all 3 again for second card ? any one knows it ?

If you still have borderline credit yes, another 3 HPs.

 

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Moderator Emeritus
Posts: 11,932
Registered: ‎12-30-2011
0

Re: AMEX Triple Pull!


OhioCPA wrote:

The normal scenario is a HP on EX if approved for the second card, so doubtful that it would be three pulls. I was declined on three pulls in May 2010 for the Delta card. The following month one pull only for approval on the Green card. The rest of my cards have come with one HP on EX.


Anecdotally I think any borderline application, including for current Amex cardholders, can result in multiple pulls.

 

I would agree that statistically and even more likely historically that this was the case, but with Amex's lowering their underwriting requirements, and some of us (me among others) getting more aggressive with our applications and taking some shots which we might be borderline on, Amex doing multiple pulls for applications is likely to be more common going forward.  

 

Also we've seen where a second application resulted not only a HP on mulitple bureaus but also a denial.  Amex isn't 100% SP denial, HP approval, there's that grey area for almost but not quite apps which appear to result in additional pulls.  

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


Take the myFICO Fitness Challenge
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 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.

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.