Reply
Valued Member
Posts: 63
Registered: ‎09-05-2012
0

Amex Member Hard Pull

So early next year I am considering applying for an Amex revolver. I currently have the green which is just over a month old. I plan to apply each month until approved since it would be a soft if declined. My question is, if I am approved, is there a possibility they will HP more than one report? I got three HP's on my green application.
Valued Contributor
Posts: 2,505
Registered: ‎11-11-2010
0

Re: Amex Member Hard Pull

If your credit is still borderline at that time, yes it will be 3x HP.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Valued Member
Posts: 63
Registered: ‎09-05-2012
0

Re: Amex Member Hard Pull

Alright that's all I needed to know. Thank you.
Established Contributor
Posts: 760
Registered: ‎02-11-2012
0

Re: Amex Member Hard Pull

+1, when I apped, one HP on EQ.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)


Remember the Three P's: Pay early in Full, Pay on Time, Patience
Established Contributor
Posts: 712
Registered: ‎06-11-2012
0

Re: Amex Member Hard Pull


JoeRo wrote:
So early next year I am considering applying for an Amex revolver. I currently have the green which is just over a month old. I plan to apply each month until approved since it would be a soft if declined. My question is, if I am approved, is there a possibility they will HP more than one report? I got three HP's on my green application.

How many months of history did you had when you applied for the Amex Green? I read some people get pulled on all 3 if their history is less than a year.


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Valued Member
Posts: 63
Registered: ‎09-05-2012
0

Re: Amex Member Hard Pull

I had around eight months. So that makes sense.
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.

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.