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Frequent Contributor
Cotton_Britches
Posts: 259
Registered: ‎06-11-2008
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Amex and Experian

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?

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Super Contributor
CS800
Posts: 6,548
Registered: ‎04-07-2008
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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?


That's an answer Im looking for also. AMEX is very keen on EX. But they have pulled TU before.




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MissExcellentCredit
Posts: 248
Registered: ‎11-20-2010
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Re: Amex and Experian

Good question. They pulled my EQ. Why not just call the 1-800 # and ask?



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Super Contributor
CS800
Posts: 6,548
Registered: ‎04-07-2008
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Re: Amex and Experian


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 :smileyhappy:




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-Cain-
Posts: 1,283
Registered: ‎04-06-2011
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Re: Amex and Experian

Would AmEx want you to grant them access to EX? Do CCCs/their analysts wonder why the freeze?

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


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trumpet-205
Posts: 2,454
Registered: ‎11-11-2010
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Re: Amex and Experian

AMEX will only pull TU and EQ if your EX report is near border-line bad. Not sure what happens if you freeze it.

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Super Contributor
CS800
Posts: 6,548
Registered: ‎04-07-2008
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Re: Amex and Experian


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)

 


 




Valued Contributor
trumpet-205
Posts: 2,454
Registered: ‎11-11-2010
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Re: Amex and Experian

[ Edited ]

When I got my Zync my history is pretty thin, so they pulled TU and EQ as well. Instant approved online.

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)
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Valued Contributor
-Cain-
Posts: 1,283
Registered: ‎04-06-2011
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Re: Amex and Experian

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.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


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Super Contributor
CS800
Posts: 6,548
Registered: ‎04-07-2008
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Re: Amex and Experian

[ Edited ]

-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





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