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Contributor
nickn86
Posts: 130
Registered: ‎11-26-2012
0

Amex pulling TransUnion? [UPDATE]

[ Edited ]

Had a hard inquiry show up today on CK for my PRG app last night.  Does this mean Amex triple-pulled me?  Or do they ever only pull one bureau that isn't Experian?

 

Update: See latest post on 2nd page.  They only pulled TU.

Chase Sapphire Preferred - 5.6k (3/13) | Amex Premier Rewards Gold - NPSL (1/13) | Chase United MileagePlus Explorer Visa Signature - 9k (1/13) | Amex Delta Gold - 6k (9/12) | Citi Forward Visa - 10k (10/12) | Discover It - 2k (2/12) | Chase +1 Visa - $300 (2/11)
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Amex pulling TransUnion?

I got triple pulled for my BCE

 

and they based my approval on a TU pull, My fico was 696 on TU and I got approved for a BCE with a $3500 limit!!!!

 

 

Good luck!

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Moderator
pizzadude
Posts: 9,674
Registered: ‎01-28-2010
0

Re: Amex pulling TransUnion?

 

They will occasionally revert to pulling another CRA than Experian ~ no idea why though.     Or they might have triple pulled you.   You'll have to check your reports to know for certain.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Contributor
nickn86
Posts: 130
Registered: ‎11-26-2012
0

Re: Amex pulling TransUnion?

Pulled my Equifax report (only one I have left from annualcreditreport.com) and no inquiry.  Now I'm curious if they pulled Experian, but probably not curious enough to pay for a credit report/do the annoying cancel-by-phone trials.

Chase Sapphire Preferred - 5.6k (3/13) | Amex Premier Rewards Gold - NPSL (1/13) | Chase United MileagePlus Explorer Visa Signature - 9k (1/13) | Amex Delta Gold - 6k (9/12) | Citi Forward Visa - 10k (10/12) | Discover It - 2k (2/12) | Chase +1 Visa - $300 (2/11)
Established Contributor
djrez4
Posts: 504
Registered: ‎08-28-2012
0

Re: Amex pulling TransUnion?

If you haven't already, you can sign up for either CreditSesame or Credit.com monitoring.  Both check Experian and both are free.

Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Amex pulling TransUnion?

Amex likes to play games.

 

Theyll triple pull... approve you on one report TU... then soft Exp like crazy for the 61day 3xcli...

 

In your case, they may have just singularly pulled TU... I bet you can get an EXP report for free....

 

You get a free report any time you are denied... it has to be the report used for denial though... search around on the EXP site and find out how to get a report for being denied.. I bet you can get it !

:-)

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Contributor
nickn86
Posts: 130
Registered: ‎11-26-2012
0

Re: Amex pulling TransUnion?

[ Edited ]

Unfortunately I have (Quizzle too!).  I'll have to wait for those to update.

 

EDIT: I was approved for the card, and since charge cards have no APR rates, I doubt they'll send me my score. 

Chase Sapphire Preferred - 5.6k (3/13) | Amex Premier Rewards Gold - NPSL (1/13) | Chase United MileagePlus Explorer Visa Signature - 9k (1/13) | Amex Delta Gold - 6k (9/12) | Citi Forward Visa - 10k (10/12) | Discover It - 2k (2/12) | Chase +1 Visa - $300 (2/11)
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Amex pulling TransUnion?

Congrats!!!!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
bigman023
Posts: 254
Registered: ‎05-15-2009
0

Re: Amex pulling TransUnion?

[ Edited ]

Just so Im clear, AMEX is ALWAYS a SP if denied, correct?

 

If denied, how long before you can reapply?

5/2009 EQ-504(FICO), TU98-567(FICO), EX- 503 (FAKO)
10/17/11 EQ-633, TU04-652, EX-681 All lender Pulls
10/17/11 TU98-678
12/21/2012 TU98-677 (39% Util)
01/21/2012 EQ - 661 (37% Util) SW Alert
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Amex pulling TransUnion?


bigman023 wrote:

Just so Im clear, AMEX is ALWAYS a SP id denied, correct?

 

If denied, how long before you can reapply?


99.9% of the time if your already a member it will be a soft. 

if your blacklisted they wont even soft you. 

 

if your not a member (currently have cards open with them) it will result in a hard pull. 

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000

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