Credit Cards Center Credit cards from our partners
Reply
Established Contributor
Posts: 797
Registered: ‎05-01-2012
0

American Express - Soft Pulling Me

Hoping to get some insight from the group. I had an AmEx Green Card that was an unpaid charge-off from 2002. I pulled my Experian report back in March and noticed that even though the account is no longer listed AmEx continues to soft pull my report. There are about 7 pulls since March 2010. Does anyone know what this is about? Thanks in advance.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Super Contributor
Posts: 8,163
Registered: ‎05-23-2009
0

Re: American Express - Soft Pulling Me

They did that to me too. Next I knew I got approved. Smiley Happy

Ron.
Established Contributor
Posts: 797
Registered: ‎05-01-2012
0

Re: American Express - Soft Pulling Me

Thanks Ron. I'm assuming I'm on their blacklist but I haven't confirmed. The Zync Card looks great.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

Re: American Express - Soft Pulling Me


rtw wrote:

Thanks Ron. I'm assuming I'm on their blacklist but I haven't confirmed. The Zync Card looks great.


 

Amex is really funny. I had an unpaid CO with them from 1991. I started checking my credit in 2010 and saw that they were softing me. Then early last year I received a gently worded collection letter from them. As the account was well past the SOL, and I was currently paying off other debts, I didn't respond to it. A few months later, I received an offer to apply for their Green card! I was certain that I was blacklisted, but due to the advice of some of the members on this forum I decided to give it a try. To my utter astonishment, I was approved! Smiley Surprised I've been treating the card very well and, while the past is the past, I intend to be a good customer for them going forward.

 

So, the bottom line is that their softing you could mean anything. You'll just have to wait and see if something comes from it.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
0

Re: American Express - Soft Pulling Me


rtw wrote:

Thanks Ron. I'm assuming I'm on their blacklist but I haven't confirmed. The Zync Card looks great.



If you are blacklisted then I believe that if you app it won't even result in a credit pull ~ they check their "naughty" list first, and if you are on it then it declines the app right then.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

Re: American Express - Soft Pulling Me


pizzadude wrote:

rtw wrote:

Thanks Ron. I'm assuming I'm on their blacklist but I haven't confirmed. The Zync Card looks great.



If you are blacklisted then I believe that if you app it won't even result in a credit pull ~ they check their "naughty" list first, and if you are on it then it declines the app right then.


 

That's what I was told by forum members, which is why I decided to pull the trigger. I figured that if I was declined due to being blacklisted, then at least I would know and I wouldn't have to take a HP; if I was approved, then I'd gladly take the HP. I think it's good that they do it that way, so that you don't waste an inq if you're blacklisted.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Established Contributor
Posts: 797
Registered: ‎05-01-2012
0

Re: American Express - Soft Pulling Me

Tinuviel, what was your outcome?


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

Re: American Express - Soft Pulling Me


rtw wrote:

Tinuviel, what was your outcome?


As stated above, they approved me! And, they backdated my new account all the way to my original member date of 1987!!! It was a shock, I admit. I'm assuming that because 20 years had passed, and they saw that my recent credit was steadily improving, I was worth taking a chance on. I've been making certain that they have no reason to regret the decision. I'm back in good standing with Amex and have been using my Green as my primary card.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Established Contributor
Posts: 797
Registered: ‎05-01-2012
0

Re: American Express - Soft Pulling Me

20 years may just be the magic number.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Established Contributor
Posts: 797
Registered: ‎05-01-2012
0

Re: American Express - Soft Pulling Me

Thanks for everyone's help on this board. I decided to stop being a chicken and see if I was on the black list. To my suprise I was approved for the Zync. I really wanted the AmEx PR Gold so I went ahead and applied. It said that the site was having technical difficulties but when I checked the application status it said approved as well. Now let's see if it will be backdated to 1993. How cool would that be? Now off to the garden!


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.