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Amex softs

Established Contributor

Amex softs

Does anyone know what CRA american express softs thru when doing regular reviews of accounts. I'm in CA.
9/18/08 TU=707 EQ=706 EX=702
Message 1 of 9
8 REPLIES
Regular Contributor

Re: Amex softs

For me it's always EXP
Message 2 of 9
Regular Contributor

x

x

Message 3 of 9
Moderator Emeritus

Re: Amex softs

Its always EX for me and I'm in Hawaii.
Message 4 of 9
Senior Contributor

Re: Amex softs

always EX for me in nyc
DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Message 5 of 9
Established Contributor

Re: Amex softs

I think AMEX is almost exclusively Experian.  That is all I have ever seen.
Message 6 of 9
Established Contributor

Re: Amex softs

It is EX for me and I do not even have an account with them. They have softed me four times this year, twice for pre-approved crap (one of which I applied for and was declined, I did not take the bait on trap two) and twice for an Account Review. (see my seperate thread: AMEX has mental probs).

 

I think I know what song plays in the building at AMEX HQ... It's by the Black Eyed Peas. The original version too, not the watered down "lets get it started". Smiley Wink 

____________________________________________________

"Evacuate, in our moment of triumph? I think you overestimate their chances."
Message 7 of 9
Senior Contributor

Re: Amex softs


Donks3369 wrote:
I think AMEX is almost exclusively Experian.  That is all I have ever seen.

 

just about but there are times when they'll pull TU and/or EQ in addition to EX upon app.
DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Message 8 of 9
Regular Contributor

Re: Amex softs

I get softs on EX each and every month from Amex and it actally says Amex Account Review. I think it's all automatic and if Amex computer picks up on something you get flagged for AA. That said, Amex is subprime which all CC companies seem to be these days.

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Message 9 of 9