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Established Contributor
Posts: 630
Registered: ‎06-20-2007
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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
Regular Contributor
Posts: 156
Registered: ‎02-24-2008
0

Re: Amex softs

For me it's always EXP
Regular Contributor
Posts: 243
Registered: ‎11-29-2007
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Moderator Emeritus
Posts: 16,375
Registered: ‎03-12-2007
0

Re: Amex softs

Its always EX for me and I'm in Hawaii.
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Senior Contributor
Posts: 3,682
Registered: ‎01-10-2008
0

Re: Amex softs

always EX for me in nyc
FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Established Contributor
Posts: 515
Registered: ‎07-01-2008
0

Re: Amex softs

I think AMEX is almost exclusively Experian.  That is all I have ever seen.
Established Contributor
Posts: 794
Registered: ‎08-05-2008
0

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". :smileywink: 

____________________________________________________

"Evacuate, in our moment of triumph? I think you overestimate their chances."
Senior Contributor
Posts: 3,682
Registered: ‎01-10-2008
0

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.
FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Regular Contributor
Posts: 181
Registered: ‎08-13-2008
0

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.

Starting Score: 8/2008 521
Current Score: 734
Highest Ever: 4/2009 759
Goal Score: 760+

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