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Valued Contributor
mxp114
Posts: 1,379
Registered: ‎09-01-2011
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Chase reviewing Experian often!

CHASE CARD SERVICES is checking my Experian fairly often, about twice per month. Should I be worried? All soft but pretty consistent. Never had this before so wasn't sure if I should anticipate AA :/

Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Chase reviewing Experian often!


mxp114 wrote:

CHASE CARD SERVICES is checking my Experian fairly often, about twice per month. Should I be worried? All soft but pretty consistent. Never had this before so wasn't sure if I should anticipate AA :/


Do you have higher balances on your other cards??? Any new baddies (prolly not), Look at it in a good way they may be SP'ing for a CLI!!:smileyhappy:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
mxp114
Posts: 1,379
Registered: ‎09-01-2011
0

Re: Chase reviewing Experian often!

[ Edited ]

My score is 778 and one card accidentally reported a balance of $20 and then it dropped to 773. All balances same, and no baddies. They doing this ever since I ran up $7000 in November but PIF.

Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Chase reviewing Experian often!


mxp114 wrote:

My score is 778 and one card accidentally reported a balance of $20 and then it dropped to 773. All balances same, and no baddies. They doing this ever since I ran up $7000 in November but PIF.


You should be fine, you paid it off and $20 isn't going to spook any CCC. I would relax and continue doing what your doing!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
mxp114
Posts: 1,379
Registered: ‎09-01-2011
0

Re: Chase reviewing Experian often!

I ran up because was hoping for an auto CLI to justify the spending but none so far. Thanks.

Moderator
pizzadude
Posts: 9,674
Registered: ‎01-28-2010
0

Re: Chase reviewing Experian often!

 

Many creditors like to keep a very close eye on their cardholders....AMEX, Chase, others as well, they will soft your reports very often, sometimes more than once a month.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Super Contributor
CS800
Posts: 6,552
Registered: ‎04-07-2008
0

Re: Chase reviewing Experian often!

Once a month a get a soft by the card companies (from the latest EX that I have seen). Cap one however softed my twice last month (for what reason? I don't know)

 




Contributor
LilloEsquilo
Posts: 318
Registered: ‎05-08-2011
0

Re: Chase reviewing Experian often!

Good question I mean it's not like they would EVER give you a cli
FICOS 2/2012 EQ: 763 TU: 761 EX: 746 (1/2012 EX)
Cards: Associated Bank Visa 9000, Paypal Mastercard 3000, Amazon Store card 1100, Barclays Apple Financing 2500, Cap One Rewards Mastercard 3000
Established Contributor
plasticguy
Posts: 563
Registered: ‎02-21-2008
0

Re: Chase reviewing Experian often!

In some cases softs like that  are followed by an offer like a BT or a pre approval :smileyhappy:

Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Chase reviewing Experian often!

You know what would be funny (this would work if your profile is looking great)

 

Call in for a CLI and tell them "Yea, i'm interested in an increase considering you've softed my report 3 times this month and seen how pristine it is and not given me one for it" :smileyvery-happy:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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