Credit Cards Center Credit cards from our partners
Reply
Contributor
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
Posts: 6,279
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| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Super Contributor
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
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
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
Posts: 6,279
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| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|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
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
Posts: 6,279
Registered: ‎08-16-2012
0

Re: Amex pulling TransUnion?

Congrats!!!!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|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
Posts: 267
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
Posts: 2,300
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 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

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.