Last month I did not have so many softies, it all started since the app spree.
Is it normal for lenders to soft new accs like that? Should I be concerned?
I'm wondering what's going on here and what to expect if this is a non conventional practice.
Amex 6 pulls in EX,
Barclay 3 pulls distributed,
Every lender I have an acc with pulled TU last month after spree.
And.. nobody has touched EQ 
EX report
and TU
I just received the signed up bonuses, could the softies be cause of that?
Should I expect more pre-approval offers?
@CruzImperial wrote:
Last month I did not have so many softies, it all started since the app spree.
Is it normal for lenders to soft new accs like that? Should I be concerned?
I'm wondering what's going on here and what to expect if this is a non conventional practice.
Amex 6 pulls in EX,
Barclay 3 pulls distributed,
Every lender I have an acc with pulled TU last month after spree.
And.. nobody has touched EQ
EX report
and TU
I just received the signed up bonuses, could the softies be cause of that?
Should I expect more pre-approval offers?
May I ask what credit monitoring service you use?
It's not a coincidence that you get SP with every new app. The CC companies can subscribe to a service that informs them of any new activity on your CR if you have an act with them. Looking at your SPs, I'd only be worried about Barclays. If you were a marginal approval, they have been known to take AA sometimes. . Otherwise, it's a common practice.
Starting Score: 642
@improvingmycredit wrote:It's not a coincidence that you get SP with every new app. The CC companies can subscribe to a service that informs them of any new activity on your CR if you have an act with them. Looking at your SPs, I'd only be worried about Barclays. If you were a marginal approval, they have been known to take AA sometimes.
That makes sense but I wonder if certain applications with certain banks trigger this? I did not notice any activity when two school loans posted or when my application for NFCU posted but I swear to gawd that when I applied for Amex (which I was denied) I noticed Chase was right on top of it...like the same day, almost simultaneously and two more within the next week. Makes you wonder. Honestly, I want to reapply with Amex since all issues have been resolved, but I have a sense that Chase did not like that app. Maybe it is in my head? This is all too exhausting..lol
100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
+1
They absolutely subscribe to a service offered by the CRAs that alerts them of new HPs. I noticed that Barclays does not subscibe to the service but does SP TU and EX religiously for the first 5-6 months of opening an account with them.
@CruzImperial wrote:Actually, I don't have any credit monitoring service active at this point. Mmm only ones I could think of are CK (updates daily) and the Walmart one.
I used to have the Discover CMS but cancelled it about last month and have not tried the amex one yet.
It would be big coincidence that cap one and discover both soft me right now.
"Amex Serviced by CIC" is how Amex Credit Secure monitoring service shows up when pulling your updated reports. "American Express 2" is generally promotional inquiries for pre-approvals.
You may have inadvertently enrolled in a free trial of CreditSecure when you activated your card. I would call them as soon as possible to find out before you end up getting charged.
