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Comments on the board seem to indicate that Amex pulls Experian. If Experian is frozen, will they pull another bureau or simply decline the app?
@Cotton_Britches wrote:Comments on the board seem to indicate that Amex pulls Experian. If Experian is frozen, will they pull another bureau or simply decline the app?
That's an answer Im looking for also. AMEX is very keen on EX. But they have pulled TU before.
Good question. They pulled my EQ. Why not just call the 1-800 # and ask?
@MissExcellentCredit wrote:Good question. They pulled my EQ. Why not just call the 1-800 # and ask?
I have asked that before and even the credit analust said that they didnt know what the system would pull. So I wouldn't be too set on AMEX pulling exclusively EX
But doesnt hurt to give them a call. At least you won't get peggy on the other end
AMEX will only pull TU and EQ if your EX report is near border-line bad. Not sure what happens if you freeze it.
@trumpet-205 wrote:AMEX will only pull TU and EQ if your EX report is near border-line bad. Not sure what happens if you freeze it.
My EX had more baddies when I applied and my EX FICO was about 25 points lower thant my TU and EQ. They still only pulled EX (it wasn't frozen)
When I got my Zync my history is pretty thin, so they pulled TU and EQ as well. Instant approved online.
@-Cain- wrote:
CS, did you get a charge or revolver? It seems AmEx will usually only pull EX for charge, but may pull others in addition for revolvers.
They pulled EX only for the charge and the revolver (BCE)
the charge was the first AMEX the BCE came 4 months later