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American Express Delta pulled all 3?!

Established Contributor

Re: American Express Delta pulled all 3?!

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

 

Hope you get approved.



FICO (TU/EX/EQ): 773/766/778 - Total CL 255+K
Message 11 of 20
Senior Contributor

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

Message 12 of 20
Frequent Contributor

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.- 4.2k. 4/25/12 (CLI Increase 6/15/13, CLI May of 2015, sept 2015), Citi: Forward- 4.5k. 10/27/12 (CLI on 2/8/14, SP, CLI on 9/26/15 sp). Discover: More- 7k, 10/27/12 (Increase 6/1/14, CLI in May of 2015, SP 9/2015) Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 5k (EX CLI HP 9/2015) Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-5k 12/8/13 (CLI on 9/2015) Capital one VentureOne Visa Signature-10k (9/6/15). Citi AAdvantage Platinum Select World MasterCard-4K. Last App: 9/6/15. Total cl: 45,300
Message 13 of 20
New Contributor

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 Platinum NPSL, AmEx Gold Delta 22K, AmEx Everyday 6.3K, Penfed Defender AmEx 5K, BankAmericard MC 14k, BoA Travel Rewards 18k, Penfed Thrifty Credit Service 500.00 Blispay Visa 7.5k,
NFCU Cash Rewards Visa - 22K, NFCU Plat MC - 22K
Penfed Gold Visa 19K, Lowes 35K, NFCU Visa 14K, NFCU MC 13K, NFCU NavChek LOC - 15K
Discover It 19K, WalMart 20K, Bank of Amer MC 10K, BarclayCard Rewards MC 11K, AAFES Mil Star 8.1K, Citi Dia Pref Visa $9.7K, USAA Rate Adv MC 7K, , Chase Freedom 3.5K, Chase Amazon Visa 1.6k

724 Discover FICO Nov 14, 735 WalMart FICO Nov 14, Equifax Advantage Pull 740 Sept 2016
Message 14 of 20
Established Contributor

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).

Message 15 of 20
Valued Contributor

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.Smiley Very 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 |

Message 16 of 20
Established Contributor

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
Message 17 of 20
Mega Contributor

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.

Message 18 of 20
Valued Contributor

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) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Message 19 of 20
Senior Contributor

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| 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
Message 20 of 20