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Established Contributor
ztnjpv
Posts: 734
Registered: ‎02-01-2012
0

Re: AMEX is watching me!

SisterGirl,

 

Thanks. I thought it was maybe something more straightforward like a message on the inline account. I can't see soft inquiries anywhere on my myfico reports. I know Equifax shows them at equifax.com but I don't subscribe anymore. 

 

Would they mainly survey Experian? And if so, how does one go about seeing soft inquiries on an Experian report with a requesting a physical copy of the report?...or any report?

Start (Sept 2011): low-mid 600s. NOW: TU FICO: 801, EQ FICO 808, EX FICO 798 (PSECU). Goal: Achieved! Now Maintain!
Valued Contributor
daybreakgonesXe
Posts: 1,862
Registered: ‎11-17-2012
0

Re: AMEX is watching me!


ztnjpv wrote:

SisterGirl,

 

Thanks. I thought it was maybe something more straightforward like a message on the inline account. I can't see soft inquiries anywhere on my myfico reports. I know Equifax shows them at equifax.com but I don't subscribe anymore. 

 

Would they mainly survey Experian? And if so, how does one go about seeing soft inquiries on an Experian report with a requesting a physical copy of the report?...or any report?


You can actually see your softs on Equifax even without having a report number...go to "dispute my credit report" on the equifax page, enter your information and some security questions will be asked without the confirmation code on your report...voila! Go to inquiries and you'll see both hard and soft ones!

Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k | SavingStar American Express $14.8k

FICOS: EX 744 EQ 706 TU 733 Credit Karma (TU) 785 Transrisk 808/990 Credit Sesame (EX) 764 Credit.com (EX) 764 VantageScore 3.0 719 Quizzle (EQ) 721
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: AMEX is watching me!

Ive charged over $4000 on my BCE the past two months! Hope they dont FR me!! Hahah
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
SnackTrader
Posts: 1,566
Registered: ‎09-15-2012
0

Re: AMEX is watching me!


ztnjpv wrote:

SisterGirl,

 

Thanks. I thought it was maybe something more straightforward like a message on the inline account. I can't see soft inquiries anywhere on my myfico reports. I know Equifax shows them at equifax.com but I don't subscribe anymore. 

 

Would they mainly survey Experian? And if so, how does one go about seeing soft inquiries on an Experian report with a requesting a physical copy of the report?...or any report?


You are able to pull a free copy of your credit report once every 12 months at annualcreditreport.com

 

I pulled my Experian report 30 days ago, but I kept the report number and have continued to view an UPDATED report every 3 or 4 days to track soft pulls, balances, and hard pulls. All for free. Pretty terrific. I believe the report stays available for 90 days or so. 


In My Wallet: Amex BCP (12/12) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Regular Contributor
SisterGirl
Posts: 224
Registered: ‎11-17-2012
0

Re: AMEX is watching me!

[ Edited ]

ztnjpv wrote:

SisterGirl,

 

Thanks. I thought it was maybe something more straightforward like a message on the inline account. I can't see soft inquiries anywhere on my myfico reports. I know Equifax shows them at equifax.com but I don't subscribe anymore. 

 

Would they mainly survey Experian? And if so, how does one go about seeing soft inquiries on an Experian report with a requesting a physical copy of the report?...or any report?


Amex will NEVER pull my TU report, but they do Equifax/Experian on a regular basis. What I've done in the past is take a look at my report every when I think about it...for free ! I know that they AR once a month, so I will check either one every 60-90 days (use the reason "adverse action" to get it FREE). They don't know....don't check....and I don't pay !

 

SisterGirl

SisterGirl
Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012
0

Re: AMEX is watching me!

And yet another soft pull on Christmas Day!! AMEX is nosey!! LOL!!

NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Valued Contributor
bs6054
Posts: 1,673
Registered: ‎11-11-2012
0

Re: AMEX is watching me!


nicholasyud wrote:
My 3x increase next month and they already soft me 3 times in last month......used almost 3k on 1000k BCE and Green charge

1000K BCE?  That's a lot of credit limit!

New Contributor
Braydon
Posts: 60
Registered: ‎05-20-2011
0

Re: AMEX is watching me!

I just pulled my EQ report and I'm not showing a hard or soft pull from AMEX ever. 

My AMEX cards are listed under my accounts but thats it!  I have 3 HP from my kids school and a ton of SP but no AMEX pulls ..Is that normal?

Valued Contributor
kevinjjc
Posts: 1,350
Registered: ‎01-14-2009
0

Re: AMEX is watching me!


Braydon wrote:

I just pulled my EQ report and I'm not showing a hard or soft pull from AMEX ever. 

My AMEX cards are listed under my accounts but thats it!  I have 3 HP from my kids school and a ton of SP but no AMEX pulls ..Is that normal?


You should look at your EX report. AmEx primarily pulls EX. They will also pull others if you're borderline.


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