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Regular Contributor
Posts: 245
Registered: ‎10-05-2012
0

AMEX so many soft pulls, why ??

I have not had an AMEX since 1995, it was a gold card and charged off about 7k, bad spot in my life.

Why I am getting so many inquires from AMEX.  Last night I put a freeze on Experian.

 

Should I be worried they will be back after me for a charge off from 17 years ago ?

 

Thank you

 

AMEX ACCOUNT REVIEW

Address:

PO BOX 981537

EL PASO TX 79998

(800) 874-2717

Date of Request:

10/21/2012

 

AMERICAN EXPRESS CO

Address:

PO BOX 981537

EL PASO TX 79998

(800) 874-2717

Date of Request:

09/04/2012

 

AMERICAN EXPRESS 2

Address:

PO BOX 981537

EL PASO TX 79998

(800) 874-2717

Date of Request:

08/21/2012

 

AMERICAN EXPRESS

Address:

19640 N 31ST ST. AVE

PHOENIX AZ 85027

No phone number available

Date of Request:

07/08/2012, 05/25/2012, 05/15/2012,

04/11/2012, 03/14/2012, 03/05/2012,

03/01/2012

 

Address:

20022 NORTH 31ST STREET

PHOENIX AZ 85027

No phone number available

Date of Request:

09/27/2011, 08/30/2011, 07/27/2011,

06/23/2011, 06/01/2011, 05/04/2011,

12/16/2010, 11/23/2010

 

AMEX

Address:

20022 NORTH 31ST STREET

PHOENIX AZ 85027

No phone number available

Date of Request:

11/23/2010

About 250k in Credit Lines
Sapphire Preferred 29.9k, Citi MC Diamond Preferred 13.72k, Chase Marriott PR Sig Visa 12k, Chase Priority 5k, Sams Discover 20k, Amex Hilton Surpass 2k, BofA Hawaii 20k
Discover More 16.25k, Chase Southwest Visa 3.5k, Wells Fargo LOC 10k,
B of A Visa 30k, Wells Plat Visa 6.7k RC Willey 5k Discover IT 4k AMEX TE 2k
Frequent Contributor
Posts: 367
Registered: ‎06-02-2008
0

Re: AMEX so many soft pulls, why ??

Not so sure they can come after you since that's way past the SOL, but they can still bug you for the rest of eternity of they wanted to.  Either way, considering they've been SPing you for so long, I highly doubt you'll ever be able to get back in the doors with AMEX again.


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Valued Contributor
Posts: 2,505
Registered: ‎11-11-2010
0

Re: AMEX so many soft pulls, why ??

When a debt is past SOL, that means they cannot use lawsuit or judgement to make you pay. Other than that they can still try to collect debt.

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)
Senior Contributor
Posts: 6,276
Registered: ‎08-16-2012
0

Re: AMEX so many soft pulls, why ??

What's your credit like now? They may be sp'ing you to pre-approve you for something :-D
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
Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012
0

Re: AMEX so many soft pulls, why ??

[ Edited ]

even with a freeze they can still SP you because you have done business with them. SP's do not show up to other lenders so do not worry about it. everytime yoy pull your own report its a SP. if you use 3 diffrent sites that pull your 3 reports you could see 3 per day per report for a total of 1095 per year per report or a total of 3285 for all three. do not worry about SP's amex and all my cards SP me every month when the bill cuts. 


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Senior Contributor
Posts: 6,276
Registered: ‎08-16-2012
0

Re: AMEX so many soft pulls, why ??

Oh nvm, I can see your scores... Why don't you check their site and see if you are pre approved for anything... Bet you are... !!!
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
Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012
0

Re: AMEX so many soft pulls, why ??

[ Edited ]

i just checked my EX and between the CCC's and my self there are well over 1k sp's not to worry. they can not see it at all and with those scores see if you can get a revoler 


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Senior Contributor
Posts: 6,276
Registered: ‎08-16-2012
0

Re: AMEX so many soft pulls, why ??

yeah! Idk if you read this thread... But there was one about a guy having a co from Amex like ten years ago. He got approved for the Amex BCE (as afbar says, I bet you can too with those scores) But then when he went to ask for a cli, he got denied due to that co account, which was still in Amex's files Haha!! Hope that makes sense.
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
Regular Contributor
Posts: 201
Registered: ‎08-19-2012
0

Re: AMEX so many soft pulls, why ??

[ Edited ]

afbar1114 wrote:

i just checked my EX and between the CCC's and my self there are well over 1k sp's not to worry. they can not see it at all and with those scores see if you can get a revoler 


 

 

This is only true with Experian. With Equifax and Transunion; there's a limit(an exact number actually) to how many soft pulls, your file can hold.

Chase Southwest $5000 - November 2012 Wal Mart $1000 - November 2012 NFCU Visa $5,000 - Sept 2012 NFCU NavCheck $3,000 - October 2012 Amazon $900 - Aug 2012 Kay's Jewlery $2700 - Aug 2012 Buckle $250 (Shopping cart trick) - October 2012 Roaman's $250 (Shopping cart trick) - October 2012 Capital One Secured $225 - April 2012 Capital One Platinum $2500 - July 2012
Valued Contributor
Posts: 2,505
Registered: ‎11-11-2010
0

Re: AMEX so many soft pulls, why ??


XxRaVeNxX wrote:

This is only true with Experian. With Equifax and Transunion; there's a limit(an exact number actually) to how many soft pulls, your file can hold.


 Actually a limit to total pulls (HP+SP) a file can hold.

 

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)
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