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Established Contributor
shakalaka
Posts: 547
Registered: ‎09-10-2012

Re: American Express Delta pulled all 3?!

Same here for my first one. The additional was EX only.

 

Hope you get approved.


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (17,400) | Discover IT (12,700) | Chase Freedom (4,800) | Walmart (4,500) | CapOne (1,500) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 748 (4/30) EQ 730 (4/26) EX 748 (12/5)

Senior Contributor
john398
Posts: 3,513
Registered: ‎01-19-2009

Re: American Express Delta pulled all 3?!

Thanks everyone I was declined but waiting for the letter as theres a system error when I try to pull it up online, when I get the letter than I can address things, I do not mind waiting

Frequent Contributor
bluesnowman
Posts: 464
Registered: ‎10-29-2012

Re: American Express Delta pulled all 3?!

When I applied for the PRG last November, they pulled all 3 for me. I was reading on another forum that if your history is less then one year old or you are a borderline approval, they will pull all 3. 

Bank of America: Cash Rewards.-1,000. 4/25/12 (CLI Increase 6/15/13), Citi: Forward- 3k. 10/27/12 (CLI on 2/8/14, SP). Discover: More- 2k. 10/27/12 (Increase 6/1/14). Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 2.4k. Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-4k.12/8/13. Last App: 1/8/14.
Valued Member
devastatah
Posts: 29
Registered: ‎10-18-2011

Re: American Express Delta pulled all 3?!

I can say the same, though I got an instant approval for the gold skymiles card they did go 3 for 3 on me via USAA monitoring service. I apped for Navy Fed NavCheck and was approved as well so hopefully I don't get punished for that. 10K initial line for Am Ex

AmEx Gold Delta 22K, AmEx Everyday 2K
NFCU Cash Rewards Visa - 22K, NFCU Plat MC - 22K
NFCU Visa 14K, NFCU MC 13K, NFCU NavChek LOC - 15K
Discover It 11.5K, WalMart 9K, AAFES Mil Star 7.3K, Chase Amazon Visa 5k, Mil Star Chase 3.5K, USAA Rate Adv MC 7K

726 FICO EX pull 3/16/14 Discover IT pull, 663 FICO TU pull 3/16/14 WalMart Increase pull
Established Contributor
Brusilov
Posts: 601
Registered: ‎01-04-2009

Re: American Express Delta pulled all 3?!

I was denied with 1 pull to EX earlier this year.  When I was approved last month they pulled all 3 for me as well (FICOs in the 690-720 range).

                    
    $17.3K          $500              $7K              $15K              $5K             $2300          $3200          $2000          $1500          $1000           $8100

Garden Since: 9.25.2013
Established Contributor
wHiTeSoL
Posts: 1,038
Registered: ‎07-09-2013

Re: American Express Delta pulled all 3?!

Be glad they only pulled 3 for you guys, for my Delta Gold they pulled 4 (times). Long story.:smileyvery-happy:


   3/12 $3500     6/12 $1200      10/12 $1500   12/12 $3400    6/13 $12000      7/13 $5000      7/13 $2500       8/13 $2000    8/13 $6000

  | CSP (AU) $12,000 | Amex PRG (AU) | United $6,000 | OCCU $12,000 | Ink Bold | GM $3,200 | DCU $7500 | Luthansa $9000 | SPG $6,000 | Citi AA Executive $11,000 | Ink Plus $5,000                                                                         | EX 2/7 697 | EQ 10/27 721 | TU 12/15 719 |

Established Contributor
CashOnDelivery
Posts: 502
Registered: ‎04-17-2013

Re: American Express Delta pulled all 3?!

At least you got in with AMEX. Could've been a different story with Cap One...

2010: 475 EQ 2011: 503 EQ 2012: 600 EQ2013:632 EQ
Starting Score: 634 EQ-3/13/13
Current Score: 706 EQ-8/29/13 703 EX-7/12/13 705 TU-8/9/13
Goal Score: 700

Take the myFICO Fitness Challenge
Senior Contributor
longtimelurker
Posts: 5,379
Registered: ‎04-22-2013

Re: American Express Delta pulled all 3?!

It seems it should be much more common for everyone to pull all three.  I assume most have found that the incremental cost isn't worth it (you catch X% of the bad cases from just one report or something).  But it still seems strange, a small gamble by the issuer that there isn't bad info (or just lots of inqs) on one of the unpulled reports.

Most active cards: Amex BC ($50K), Cap One QS ($33K) Fidelity Amex ($20K)
Others: CSP, Freedom, Chase Amazon, Cap One QS, Penfed Plat Rewards (x2), Citi TY Preferred, Citi Dividend, Citi AA Plat Select, Citi Forward, Amex BCE, Amalgamated Bank, Sallie Mae, Cash Plus
Scores May 14: EQ 848, EX 833, TU 841 (Jul)
Valued Contributor
SnackTrader
Posts: 1,563
Registered: ‎09-15-2012

Re: American Express Delta pulled all 3?!

Yes, perhaps it should be more common. But I also wonder if the negative point of view of the customer is taken into consideration. With our subset of the population a triple pull is frowned upon, so take that for what you will. The other aspect might have to do with credit bureau contracts where an issuer signs deals with certain bureaus to provide analytical services. It would be difficult and expensive to get the same service from a second or third bureau at the same time. I don't know all the details here, but this must be part of the equation.

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

Last App: April 2, 2014
Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: American Express Delta pulled all 3?!

I was approved for my first Amex via triple pull. Since then, they are 100% exclusive to softing Experian and appoved my second acct with a hp on Exp.
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 $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k

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