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Amex and Experian

Valued Contributor

Re: Amex and Experian

Oops, looks like trumpets reply shot that thought down.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 730 08/15 (PSECU), TU08 710 08/15
Goal Score: 725+ across the board


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Message 11 of 14
Super Contributor

Re: Amex and Experian

 

Just a guess here, but I think that they might not process your app until you call them and explain or unfreeze your EX report.   They seem to always prefer EX, and even when they pull TU and EQ it is along with the EX pull.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 12 of 14
Super Contributor

Re: Amex and Experian


pizzadude wrote:

 

Just a guess here, but I think that they might not process your app until you call them and explain or unfreeze your EX report.   They seem to always prefer EX, and even when they pull TU and EQ it is along with the EX pull.


That was my asumtion too




Message 13 of 14
Highlighted
Mega Contributor

Re: Amex and Experian


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?


More than likely decline.




EQ FICO 548 3/3/16
Message 14 of 14