Reply
Moderator
Posts: 9,674
Registered: ‎01-28-2010
0

Re: American Express - Soft Pulling Me


rtw wrote:

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!


Wow, congrats !  That's fantastic !  :smileyhappy:   When you setup your online profile if it says member since 1993 then your cards should be backdated on your CRs.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Established Contributor
Posts: 797
Registered: ‎05-01-2012
0

Re: American Express - Soft Pulling Me

I just logged in and it says member since 2012. I am not going to wake the beast although 1993 would have been awesome. I'm just glad that AmEx has given me another chance.


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: 554
Registered: ‎06-02-2012
0

Re: American Express - Soft Pulling Me

Until you activate your zync and they fr and aa you ;-)
"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
New Visitor
Posts: 1
Registered: ‎08-15-2012
0

Re: American Express - Soft Pulling Me


tinuviel wrote:

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! :smileysurprised: 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.


Please forgive my ignorance. I've never heard of what you describe, and didn't know it was possible to get an AMEX card of any kind under those conditions. Please indulge my stupidity on this subject. Do you think AMEX would ever try to backdate the CO to your new account? You indicate the unpaid CO is past the SOL, so I would think not. I read AMEX backdates to original membership, so surely they have all/most information of past accounts. Again very sorry for my ignorance, and many thanks for your reply.
Valued Contributor
Posts: 2,978
Registered: ‎02-09-2012
0

Re: American Express - Soft Pulling Me


rtw wrote:

I just logged in and it says member since 2012. I am not going to wake the beast although 1993 would have been awesome. I'm just glad that AmEx has given me another chance.


Oh dang!

 

 

If you have your old account number, you could call new accounts (or another dept.?) and get that updated.

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Established Contributor
Posts: 797
Registered: ‎05-01-2012
0

Re: American Express - Soft Pulling Me

I keep everything. I have the old card. I just need to get up the nerve to call Amex. I wanted to wait a couple of billing cycles.

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
Regular Contributor
Posts: 248
Registered: ‎09-02-2011
0

Re: American Express - Soft Pulling Me

http://ficoforums.myfico.com/t5/Credit-Cards/Amex-Backdating/m-p/1504460/highlight/true#M413613

 

Trans Union Fico (Walmart) ,690 Experian Fico (Amex) 686(Opened 3 new accounts this month. In the Garden)


AMEX BCE ($19,500) AMEX PRG -(NPSL), BARCLAYS US AIR PREMIER WORLD ($10,000), BOA CASH REWARD -($6,000), CITI HILTON RESERVE SIGGY-(5,000), WALMART DISCOVER ( $5,800), CITI DIAMOND ($4,700), CITI DIVIDED WORLD ($4,500), AMAZON STORE($5,000), NORDSTROM VISA SIG($5,000), PAYPAL STORE ($4,000) Amex Delta Gold ($2000)

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 based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.