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Regular Contributor
Posts: 137
Registered: ‎10-12-2012
0

AMEX TrueEarnings HP all 3

[ Edited ]

Applied for AMEX TrueEarnigs about a week ago, and still waiting for the card. 

Just checked my CRs today and learned that AMEX pulled hard on EX, EQ, and TU. They gave me $1500 CL, a bit lower than I expected.

 

I also have a Discover More with $1000 CL (1 month old). And wife just added me in as AU for her Chase Freedom with $7000 (I requested and DW did it in 5 mins Smiley Happy)

 

Anyway, just want to inform you guys about being pulled hard from all 3. This sounds like Cap1 though :-)

 

Also, I would like to hear from you how Chase/Amex/Discover go about doing Auto CLI if they see one card with CL way higher. Please share your experience.

 

Thanks

FICO Scores 8: EX 731, EQ 731, TU 725

Credit Cards: Chase Freedom 9.5K | AMEX TrueEarnings 4.5K | Cap1 Venture Visa 3.5K | Cap1 QS MC 3.5K | Discover IT 1K | Cap1 Spark Cash 15K | AMEX SimplyCash 9K

Store: PayPal SmartConnect 10K | JCP 5.2K | Banana 3.3K | Walmart 4.5K | Kohls 1.5K | TargetRED 200
Valued Contributor
Posts: 2,118
Registered: ‎06-16-2012
0

Re: AMEX TrueEarnings HP all 3


pt2005 wrote:

Applied for AMEX TrueEarnigs about a week ago, and still waiting for the card. 

Just checked my CRs today and learned that AMEX pulled hard on EX, EQ, and TU. They gave me $1500 CL, a bit lower than I expected.

 

I also have a Discover More with $1000 CL (1 month old). And wife just added me in as AU for her Chase Freedom with $7000 (I requested and DW did it in 5 mins Smiley Happy)

 

Anyway, just want to inform you guys about being pulled hard from all 3. This sounds like Cap1 though :-)

 

Also, I would like to hear from you how Chase/Amex/Discover go about doing Auto CLI if they see one card with CL way higher. Please share your experience.

 

Thanks


Someone can correct me if im wrong, but when you are borderline approval, i believe AMEX pulls all three reports.

gardening since 12/8/15
Valued Contributor
Posts: 2,992
Registered: ‎02-09-2012
0

Re: AMEX TrueEarnings HP all 3

yes, you were - close to being denied
5/2012: 560 credit scores across the board
12/2014: 750+ scores across the board
Get those baddies removed!!!
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: AMEX TrueEarnings HP all 3

They HP all 3 for me when I doubled app for zync and delta. Zync was instant and delta took about 20 min.


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
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: AMEX TrueEarnings HP all 3

What consider borderline approval ????? Like score and baddie ??


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Regular Contributor
Posts: 137
Registered: ‎10-12-2012
0

Re: AMEX TrueEarnings HP all 3

[ Edited ]

Thanks guys.

The reason I'm asking is when I applied for AMEX SimplyCash about 2 months ago, I got only one ding from TU. Now 3. How lovely.

 

I figured may as well bite the bullet now. With being AU on Chase Freedom $7000 CL, having a (personal) Discover and AMEX, I hope things will get better. I should have waited a bit before applying since my Cap1 Visa is still not reporting $3000 CL (I mailed Exec office in Oct and was bumped from $500 to $3000). Since I learned from this forum that AMEX business will not report to personal files, so that was why I applied for TrueEarnings.

FICO Scores 8: EX 731, EQ 731, TU 725

Credit Cards: Chase Freedom 9.5K | AMEX TrueEarnings 4.5K | Cap1 Venture Visa 3.5K | Cap1 QS MC 3.5K | Discover IT 1K | Cap1 Spark Cash 15K | AMEX SimplyCash 9K

Store: PayPal SmartConnect 10K | JCP 5.2K | Banana 3.3K | Walmart 4.5K | Kohls 1.5K | TargetRED 200
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: AMEX TrueEarnings HP all 3

Mine was baddie. My TU was 702 and my EX was much higher than that. EQ was 661 at time of approval.


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
Established Contributor
Posts: 555
Registered: ‎02-14-2012
0

Re: AMEX TrueEarnings HP all 3


dodgerslv wrote:

pt2005 wrote:

Applied for AMEX TrueEarnigs about a week ago, and still waiting for the card. 

Just checked my CRs today and learned that AMEX pulled hard on EX, EQ, and TU. They gave me $1500 CL, a bit lower than I expected.

 

I also have a Discover More with $1000 CL (1 month old). And wife just added me in as AU for her Chase Freedom with $7000 (I requested and DW did it in 5 mins Smiley Happy)

 

Anyway, just want to inform you guys about being pulled hard from all 3. This sounds like Cap1 though :-)

 

Also, I would like to hear from you how Chase/Amex/Discover go about doing Auto CLI if they see one card with CL way higher. Please share your experience.

 

Thanks


Someone can correct me if im wrong, but when you are borderline approval, i believe AMEX pulls all three reports.


+1

Yup, they're trying to get you approved when they pull all three.

 

AmEx Platinum | AmEx BCP | AmEx Delta Gold | CSP | Chase Freedom | NFCU cashRewards Visa Sig | NFCU Plat MC | WM MC | Discover it | JCP


Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: AMEX TrueEarnings HP all 3

+111

Highlighted
Established Contributor
Posts: 665
Registered: ‎08-02-2011
0

Re: AMEX TrueEarnings HP all 3

Congrats! Great card!

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K

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