Credit Cards Center Credit cards from our partners
Reply
Established Contributor
Posts: 766
Registered: ‎01-16-2012
0

How often does Amex update offers?

I click the pre-approved offers button on the amex site every few weeks and it is always "we're sorry...". I check my soft pulls from experian regularly and have never seen an Amex soft. I can only check softs on TU/EQ once a year, but have done so in the last 3 months and again not seen anything from Amex. I know my scores aren't awesome (plus scores all over 700 at this point, ck 678, tu vant 824, eq fico 685), but thought at least maybe a zync? I had a green card charge off in 1988 (idiot college student) and am wondering if I am blacklisted or if my scores just aren't in the pre-approval range, etc. or if they just haven't updated since my scores have improved. Thoughts?

In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.
Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008
0

Re: How often does Amex update offers?

Do you owe them anything from 1988?

 

Are you opted-out?


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Established Contributor
Posts: 766
Registered: ‎01-16-2012
0

Re: How often does Amex update offers?

I honestly can't remember. I know the card was closed and I may have paid it off or not. I went to a small liberal arts college and lots of drugs were involved. There are whole semesters I can't quite remember (despite my 3.6 gpa).

 

I have not opted out. I get offers from discover and chase with some regularity (via mail) and used to get credit one/cap 1/orchard/1st premier, though those have dried up as my credit has improved.

In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.