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Damn - AMEX actually pulled all 3 CR's!!!

Valued Contributor

Damn - AMEX actually pulled all 3 CR's!!!

I just pulled my USAA daily and noticed that my applications for AMEX yesterday resulted in hard credit pulls from each and every credit report!  Guess I was really border-line?  My guess is that the ZYNC was a single EX pull while the second app resulted in the pull of the other two.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Message 1 of 6
5 REPLIES
Valued Contributor

Re: Damn - AMEX actually pulled all 3 CR's!!!

Just pulled EQ report (I have pending app for LOC)...thankfully it didnt impact my score at all!  But the new inquiry is on the report.  That makes 4 on EQ: 9/10/12, 6/8/12, 5/31/12 and 3/4/12.  I think the fact that its now 6 months since my 3/4/12 app that my score didnt hurt too badly (basically substituted one older inq for a newer one).



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 2 of 6
Valued Contributor

Re: Damn - AMEX actually pulled all 3 CR's!!!

Yep, AMEX HP all three if your EX CR is borderline.

Message 3 of 6
Valued Contributor

Re: Damn - AMEX actually pulled all 3 CR's!!!

As long as my LOC goes through without any hiccup then Im good.  This may push back my app for NFCU until after refinance...not sure though.  It would bring my inquiries on EQ up to 5.  Yall think that is too many?



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 4 of 6
Valued Contributor

Re: Damn - AMEX actually pulled all 3 CR's!!!


Duncanrr wrote:

As long as my LOC goes through without any hiccup then Im good.  This may push back my app for NFCU until after refinance...not sure though.  It would bring my inquiries on EQ up to 5.  Yall think that is too many?


Within 6 months, yes.

 

Message 5 of 6
Valued Contributor

Re: Damn - AMEX actually pulled all 3 CR's!!!

Its actually only 4 within 6 months if I app for NFCU.  I have 4 on report now but one is over 6 months old.  When I refi in June I'll only have 1 or 2 inquiries on report that is less than 1 year old.  And both of these will be at least 6 months old.

 

EDIT: just thought of another good thing (well all things considered).  I'll probably not get their best interest rate on the Delta card.  Does that mean they have to give me all three scores?



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 6 of 6