Reply
Contributor
Sabrian31487
Posts: 91
Registered: ‎02-05-2013
0

Experian Activity Detected.. Identity guard.. question.

So i just made a purchase with my AMEX credit card for an online purchase. Is this Amex doing a softpull on me to check up on how i am doing or is this a hard pull? Since identity guard is telling me it is "Detecting" im scared that this was a hard pull?? I did not apply for anything, all i did was make an apple iphone purchase for 7.99 lol.. Just got my card last month...

 

Keith

Discover IT 02/2013 (1000.00),Chase Freedom 02/2013 (3000.00),AmEx Blue Cash Everyday 06/2013 (3000.00)
Citi Simplicity 06/2013 (1000.00)
TU FICO - 718 , CK TU - 738 , Credit.com EX - 727, Quizzle.com - 720, CreditSesame.com - 720

Moderator
09Lexie
Posts: 25,384
Registered: ‎09-13-2012
0

Re: Experian Activity Detected.. Identity guard.. question.

SP's shouldn't trigger that type of inq. You might want to pull your reports.
Valued Contributor
dodgerslv
Posts: 1,759
Registered: ‎06-16-2012
0

Re: Experian Activity Detected.. Identity guard.. question.

I agree...a Soft Pull doesn't trigger an alert. I would suggest you pull your reports. It may be the new account with Amex reporting since you've had it for a month.

Cards: (Citi x6) (Chase x5) (US Bank x3) (Amex x3) (Barclays x3) (BofA x3) (Cap1 x2) (WF x2) (Penfed x1) (Discover x1) (Sync/GE x4) (Macys x2)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





Contributor
Sabrian31487
Posts: 91
Registered: ‎02-05-2013
0

Re: Experian Activity Detected.. Identity guard.. question.

It did show my current balance in the report from identity guard that Amex was reporting 385.00.. And my first payment did post like 3 or 4 days ago.. So mabey it is the new account just reporting to bureas? AHH my credit is going to dip!

Discover IT 02/2013 (1000.00),Chase Freedom 02/2013 (3000.00),AmEx Blue Cash Everyday 06/2013 (3000.00)
Citi Simplicity 06/2013 (1000.00)
TU FICO - 718 , CK TU - 738 , Credit.com EX - 727, Quizzle.com - 720, CreditSesame.com - 720

Valued Contributor
djc1puno
Posts: 1,715
Registered: ‎03-07-2013
0

Re: Experian Activity Detected.. Identity guard.. question.

if it is your new amex reporting, don't worry too much about the score drop...it'll pick up after it ages a bit :smileywink:



GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Contributor
Sabrian31487
Posts: 91
Registered: ‎02-05-2013
0

Re: Experian Activity Detected.. Identity guard.. question.

yea it was the card reporting... just got my creditsecure alert a short time ago.. Im glad it started reporting though.. i heard some people had to wait like 2 months for their amex BCE card to report

 

Keith

Discover IT 02/2013 (1000.00),Chase Freedom 02/2013 (3000.00),AmEx Blue Cash Everyday 06/2013 (3000.00)
Citi Simplicity 06/2013 (1000.00)
TU FICO - 718 , CK TU - 738 , Credit.com EX - 727, Quizzle.com - 720, CreditSesame.com - 720


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+