Valued Contributor
Posts: 1,350
Registered: ‎08-30-2011

Re: American Express - Single Inquiry Experiences?

Clear is credit, think Blue w/o the benefits!

Diners Club Premier MasterCard $50K / AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10K / Chase Slate Visa $6K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 799 EQ = 812 TU = 811 - 11/2014
Established Contributor
Posts: 607
Registered: ‎09-08-2011

Re: American Express - Single Inquiry Experiences?

Thanks for the great feedback!

Starting Score: TU:676;EQ:648 8/2011
Current Score: TU:738; EQ: 739 ;EX: 729 6/2012
Goal Score: 760

Take the FICO Fitness Challenge

Current Score: 800
Goal Score: 850

Take the FICO Fitness Challenge
Posts: 132
Registered: ‎12-07-2010

Re: American Express - Single Inquiry Experiences?

This should work as long as you are decently well qualified...

I applied for my Blue Cash Preferred and Gold Preferred the same day and got 1 inq (did the gold first and was auto approved so I did the other)


That said, there is one way you can get 2 inq. If you apply for 1 card and barely get it (7-10 day message, or possibly even just barely getting autoapproval) and then you apply for another card, it's possible for them to do a second pull on all 3 agencies. Not the most common occurance, but it can happen, so just keep it in mind.

Starting Score: EX FICO: Unknown EQ FICO: 717 TU (CreditKarma): 713
Current Score: EX FICO: 737 EQ FICO: 752 TU (CreditKarma): 717
Goal Score: EX FICO: 760 EQ FICO: 760 TU (CreditKarma): 760

Take the FICO Fitness Challenge

Frequent Contributor
Posts: 309
Registered: ‎08-05-2011

Re: American Express - Single Inquiry Experiences?

[ Edited ]

I did recieve my EX FICO score in the Approval letter that AMEX sent me, my EX was 751 as of 9/2/2011 so happens to be the lowest of my scores, still more than adaquate for any of their products but I was still surprised how far out from my EQ and TU scores it was. The data on EX is exactly the same as the others except for two hard inquires from 2009 which should not have any scoring significance.

Starting Score: 770
Current Score: 765 (EX) 763 (EQ) 756 (TU)

Auto Enhanced: 788 (EX)
Goal Score: 800
Take the FICO Fitness Challenge

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+