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New Contributor
Want2BDebtFreeNow
Posts: 73
Registered: ‎10-15-2007
0

Amex Account Review Inq's - A little excessive?

AMERICAN EXPRESS CO
  Date:   June 30, 2009 , May 29, 2009 ,
            April 29, 2009
, March 26, 2009 ,
            February 27, 2009
, January 27, 2009 ,
            December 30, 2008
, December 16, 2008 ,
            November 26, 2008
, November 18, 2008 ,
            October 29, 2008
, October 28, 2008 ,
            October 3, 2008
, September 23, 2008 ,
            August 28, 2008
, July 25, 2008 ,
            June 27, 2008
, June 23, 2008 ,
            May 28, 2008
, May 20, 2008 ,
            April 28, 2008
, April 10, 2008 ,
            March 27, 2008
, March 14, 2008 ,
            February 28, 2008
, February 14, 2008 ,
            January 30, 2008
, January 3, 2008 ,
            January 2, 2008
, December 17, 2007 ,
            November 30, 2007
, October 30, 2007 ,
            October 2, 2007
, September 18, 2007 ,
            August 31, 2007
, July 31, 2007

 

AMEX ACCOUNT REVIEW
  Date:   June 25, 2009 , May 21, 2009 ,
            April 27, 2009
, March 20, 2009 ,
            February 20, 2009
, January 22, 2009 ,
            December 22, 2008
, November 21, 2008 ,
            October 23, 2008
, September 19, 2008 ,
            August 21, 2008
, July 23, 2008 ,
            June 20, 2008
, May 22, 2008 ,
            April 22, 2008
, March 26, 2008 ,
            February 22, 2008
, January 24, 2008 ,
            December 20, 2007
, December 3, 2007 ,
            October 30, 2007
, September 26, 2007 ,
            August 22, 2007
, July 23, 2007
AMEX ACCOUNT REVIEW
  Date:   July 18, 2008 , July 1, 2008 ,
            June 30, 2008
, September 14, 2007 ,
            July 19, 2007
, July 15, 2007 ,
            July 6, 2007
, July 5, 2007

I only have one active American Express card and have had so for a while.  What gives? Wonder how much they are spending on getting a copy of this every month?

As of 11/14/2012 EQ: 672

5 inqs in the last year - October 25, 2012, July 05, 2012, July 03, 2012, June 18, 2012, February 16, 2012

(Report reads them as 3) Your applications for credit in the past year
3 inquiries

Last account opened June 2012

Average age of your accounts
6 years

Number of your accounts with a missed payment
0 accounts

Ratio of your revolving balances to your credit limits
82% (Ouch)
Regular Contributor
FocusOnFICO
Posts: 180
Registered: ‎05-01-2009
0

Re: Amex Account Review Inq's - A little excessive?

Many others have reported similar review trends.  It seems excessive, but Amex has been checking everyone quite a bit for some time now.

Starting Score: TU 766 EQ 788
Current Score: TU 788 EQ 811
Goal Score: TU 800 EQ 800


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New Contributor
Want2BDebtFreeNow
Posts: 73
Registered: ‎10-15-2007
0

Re: Amex Account Review Inq's - A little excessive?

What I don't get the review of an account 3-4 days within each other. It's so retarded.
As of 11/14/2012 EQ: 672

5 inqs in the last year - October 25, 2012, July 05, 2012, July 03, 2012, June 18, 2012, February 16, 2012

(Report reads them as 3) Your applications for credit in the past year
3 inquiries

Last account opened June 2012

Average age of your accounts
6 years

Number of your accounts with a missed payment
0 accounts

Ratio of your revolving balances to your credit limits
82% (Ouch)
New Contributor
Want2BDebtFreeNow
Posts: 73
Registered: ‎10-15-2007
0

Re: Amex Account Review Inq's - A little excessive?

[ Edited ]

Ok, so this is weird too... I don't have a relationship with First USA but they pull my report every month? whats up with that?

 

*Correction - I just found this is the same as Chase who I do have a relationship with :-) whew....

 

FIRST USA,NA
06/21/2009
05/21/2009
04/21/2009
03/21/2009
02/21/2009
01/21/2009
12/21/2008
11/21/2008
10/21/2008
09/21/2008
08/21/2008
07/21/2008
06/21/2008
05/21/2008
04/21/2008
03/21/2008
02/21/2008
01/21/2008
12/21/2007
11/21/2007
10/21/2007
09/21/2007
08/21/2007
07/21/2007
Message Edited by Want2BDebtFreeNow on 07-28-2009 11:02 PM
As of 11/14/2012 EQ: 672

5 inqs in the last year - October 25, 2012, July 05, 2012, July 03, 2012, June 18, 2012, February 16, 2012

(Report reads them as 3) Your applications for credit in the past year
3 inquiries

Last account opened June 2012

Average age of your accounts
6 years

Number of your accounts with a missed payment
0 accounts

Ratio of your revolving balances to your credit limits
82% (Ouch)
Established Contributor
Chopbrocoli
Posts: 805
Registered: ‎05-11-2007
0

Re: Amex Account Review Inq's - A little excessive?

AMEX is known to follow your every footstep. Each credit report pull usually costs about 35 cents... but for AMEX, I would assume anywhere between .15-20 cents. Pulling reports on customers cost them nothing really.
AMEX Gold Premier Rewards | SPG AMEX | Bank of America Power Rewards | Merrill Plus | United Presidential Plus | Saks World Elite
Valued Contributor
Uborrow-Upay
Posts: 2,708
Registered: ‎10-16-2008
0

Re: Amex Account Review Inq's - A little excessive?

Just curious, Chopbrocoli...how do you know this?

 

(I always wondered what it cost the ccc to do this).

Established Contributor
Watchmann
Posts: 989
Registered: ‎05-14-2008
0

Re: Amex Account Review Inq's - A little excessive?

Par for the course as far as AMEX is concerned.  I'm a 29 year AMEX customer and they still soft me constantly on all three of my accounts.  That's the way their system is set up.  You can't change it so I wouldn't worry about it.

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