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Frequent Contributor
tempusfugit123
Posts: 387
Registered: ‎02-06-2008
0

Amex soft pull....

Is it true they only do soft pulls when you already have a card with them? Currently cleaning up my reports and going for the green! 

Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

Re: Amex soft pull....

When you're a current member they soft pull for denials, hard pull for approvals.  You can recon if denied from the soft, but they will do a HP

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Frequent Contributor
tempusfugit123
Posts: 387
Registered: ‎02-06-2008
0

Re: Amex soft pull....

well thats good to know thanks 

Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012
0

Re: Amex soft pull....

Clean them up all good then apps for it with better change and higher limit to start with........


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Frequent Contributor
tempusfugit123
Posts: 387
Registered: ‎02-06-2008
0

Re: Amex soft pull....

I am thankful for my zync just tired of it. Will fore Eric be stuck at a 500 limit but was surprised when I was approved with a 615 on EX 

Frequent Contributor
tempusfugit123
Posts: 387
Registered: ‎02-06-2008
0

Re: Amex soft pull....

Wow meant forever....darn technology lol 

Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012
0

Re: Amex soft pull....

they wont approved for 615 or anything closed to it.......I would wait your score went up about 680 or at least 660 then apps for their easiest revolve card.....


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Frequent Contributor
tempusfugit123
Posts: 387
Registered: ‎02-06-2008
0

Re: Amex soft pull....

ive had the zync for two years. not sure what my current score is but im far from a 615. just pulled my reports and trying to clean up some more. 


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