On my latest TU report, I see soft pulls every month from Amex for like the last six months. You'd think I have a card with them, but I don't! What gives? Also, do you think I could call them up and apply for a card, and ask them to use all the pulls they already have? 
@Bman70 wrote:
On my latest TU report, I see soft pulls every month from Amex for like the last six months. You'd think I have a card with them, but I don't! What gives? Also, do you think I could call them up and apply for a card, and ask them to use all the pulls they already have?
They were doing SP's on me too for about 6-7 months. I started getting mailers about 3 months ago and emails this last month (although I did sign up for those on the pre-qualify website). I just apped for one the offers I received in the mail a month ago.
@Fico2Go wrote:Goes to prove that creditors don't need your social security number to pull your credit.
I get SPed all the time by creditors. Even if your CR is locked they can still soft pull you.
They can't SP for marketing purposes if you are opted out.
I can't check pre approvals even with banks I already have an account with, because I'm opted out.
opted out = no soft pulls except by banks you have open accounts with and only for the purpose of monitoring the open account.
Report frozen = no hard pulls.
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850 FICO8 since 2015, Thanks MyFICO - 5+ years since last HP
Dumb question: how does one know they are SPing? Other than an actual CR from the big 3, is there a way of monitoring who SPs you?
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Yeah, figured. Thanks for info.
@Mallak - Done. Got current report based on my free EX CR picked up a few months ago. Golden advice...thanks!
@Bman70 - sorry man, didn't mean to hijack thread.... With Amex SPing you, you must have a pretty good CR. Kudos to you.