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Regular Contributor
Posts: 194
Registered: ‎04-15-2011
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Is American Express still using Experian?

I am about to apply for an Amex BCE but I am waiting for a payment of $2400 on my Barcalycard to show up on my reports. My statement posted on 1/12 and I just got an alert that my score went up in Scorewatch and I'm pretty sure it's because my new balance hit EQ. I have no way to check my Experian report currently without buying a new one. I updated my CreditKarma and Barclay still has not reported to them.

 

If they are still exclusively pulling Experian, I think I will go ahead and apply, if they're doing TU then I will have to wait and keep updating my Credit Karma everyday until it posts.

EQ - 724 FICO - ScoreWatch (6/2015) | TU - 732 FICO - Lender Pull (6/2015) | EX - ??
Amazon Store Card - $5000 | Amex BCE - $2k | Barclaycard Ring - $2.5k | Capital One - $1000 | Capital One Quicksilver - $3000 | Capital One Venture - $10,000 | Capital One VentureOne - $7500 | Chase Freedom - $3.5k | Citi Diamond Preferred - $1000 | Discover It - $1900 | Macy's - $1700
Super Contributor
Posts: 6,421
Registered: ‎05-23-2009
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Re: Is American Express still using Experian?

Yes, they pulled EXP as of earlier this month.

 

 

Ron.

New Contributor
Posts: 85
Registered: ‎05-02-2012
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Re: Is American Express still using Experian?

Yup they Pulled Experian for me last week

Current Scores EQ (697) Tu (740) EX (705) Amex pull
Current Cards- Amex PRG(NPSL), Amex Zync (NPSL), Amex Hilton Honors Surpass ($3000), Chase Sapphire Preferred ($12,000), Citi Simplicity ($10,900), Southwest Visa Signature ($10,500), Discover It ($4250), FNBO Amex ($4,000), First National Credit Card ($2000), Capital One Platinum ($2500 and $1750), Lowes ($6000) , Walmart Discover ($6000).
Frequent Contributor
Posts: 471
Registered: ‎03-29-2011
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Re: Is American Express still using Experian?

For existing card members Amex does not pull a credit report as part of the approval process. They will rely on a previous soft pull. Therefore, you might want to wait for them to SP your file if you are worried about utilization.

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Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: Is American Express still using Experian?

1/2/13 pulled EX for my BCP approval.


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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Regular Contributor
Posts: 194
Registered: ‎04-15-2011
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Re: Is American Express still using Experian?

[ Edited ]

OhioCPA wrote:

For existing card members Amex does not pull a credit report as part of the approval process. They will rely on a previous soft pull. Therefore, you might want to wait for them to SP your file if you are worried about utilization.


Oh really? I was not aware of this. I was really trying to apply for this card in January for maximum backdating. Maybe i'll wait until the 29th or so to apply. Anyone know how often they soft? As of my last EXP report (which I obtained on 1/1/2013), the last time amex soft pulled me was 11/21/2012, 11/01/12, and 8/16/2012. Seems to be random to me.

EQ - 724 FICO - ScoreWatch (6/2015) | TU - 732 FICO - Lender Pull (6/2015) | EX - ??
Amazon Store Card - $5000 | Amex BCE - $2k | Barclaycard Ring - $2.5k | Capital One - $1000 | Capital One Quicksilver - $3000 | Capital One Venture - $10,000 | Capital One VentureOne - $7500 | Chase Freedom - $3.5k | Citi Diamond Preferred - $1000 | Discover It - $1900 | Macy's - $1700
Valued Contributor
Posts: 1,963
Registered: ‎03-30-2012
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Re: Is American Express still using Experian?

Unfortunately, yes. lol

Scores 5/13/2014: TU FICO: 639 | EQ FICO: 645| EX AMEX FICO: TBD

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $2500 | Amazon Rewards Visa: $1500 | Chase Freedom: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1600 | Target: $700 | J.Crew $9950
New Contributor
Posts: 85
Registered: ‎05-02-2012
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Re: Is American Express still using Experian?

[ Edited ]

I thought that Amex only uses a Soft if declined for  current members and a Hard pull if approved.  It says that they pulled my score on the 10th when i was approved.

Current Scores EQ (697) Tu (740) EX (705) Amex pull
Current Cards- Amex PRG(NPSL), Amex Zync (NPSL), Amex Hilton Honors Surpass ($3000), Chase Sapphire Preferred ($12,000), Citi Simplicity ($10,900), Southwest Visa Signature ($10,500), Discover It ($4250), FNBO Amex ($4,000), First National Credit Card ($2000), Capital One Platinum ($2500 and $1750), Lowes ($6000) , Walmart Discover ($6000).
Frequent Contributor
Posts: 471
Registered: ‎03-29-2011
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Re: Is American Express still using Experian?


CopperHD wrote:

I thought that Amex only uses a Soft if declined for  current members and a Hard pull if approved.  It says that they pulled my score on the 10th when i was approved.


Once you are approved they will do the HP. A little bit backward but it saves current members from getting a HP for a declined card. I suppose the approval is somewhat conditional on the HP, but I have never heard of anyone being declined after a HP.

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Moderator Emeritus
Posts: 11,961
Registered: ‎12-30-2011
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Re: Is American Express still using Experian?


OhioCPA wrote:

CopperHD wrote:

I thought that Amex only uses a Soft if declined for  current members and a Hard pull if approved.  It says that they pulled my score on the 10th when i was approved.


Once you are approved they will do the HP. A little bit backward but it saves current members from getting a HP for a declined card. I suppose the approval is somewhat conditional on the HP, but I have never heard of anyone being declined after a HP.


It does happen for marginal applications in some cases, much like the multiple pulls.  This is pretty darned rare though, <1% even.

 

FWIW I still think I have one of the most absurd BCP approvals ever until I see my letter from Amex stating I have a much higher EX FICO or similar than I can rationally expect, and EX was the only report pulled, so the double pull is pretty uncommon, and the HP denial is even less common than that.

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


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