myFICO® Forums
Help
cancel
Turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for 
Search instead for 
Did you mean: 

No SPs from Amex???

tag
Get Access Now
youngandcreditwrthy
Senior Contributor
‎11-05-2012 05:01 PM
‎11-05-2012 05:01 PM

No SPs from Amex???

So I just got my first Amex, the BCE, Oct 1st. They approved me based on a TU FICO of 696. I just checked my TU report, and I have absolutely no sps from them.... Is this weird?!? I thought they were notorious for softing like crazy? Barclay's and GECRB have def been sp'ing me like crazy haha. Hmmmmm
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 1 of 12
0 Kudos
11 REPLIES 11
somnipotent
Frequent Contributor
‎11-05-2012 05:03 PM
‎11-05-2012 05:03 PM

Re: No SPs from Amex???

they don't SP you every day if that's what you're wondering.

@youngandcreditwrthy wrote:
So I just got my first Amex, the BCE, Oct 1st. They approved me based on a TU FICO of 696. I just checked my TU report, and I have absolutely no sps from them.... Is this weird?!? I thought they were notorious for softing like crazy? Barclay's and GECRB have def been sp'ing me like crazy haha. Hmmmmm

 


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Message 2 of 12
0 Kudos
youngandcreditwrthy
Senior Contributor
‎11-05-2012 06:15 PM
‎11-05-2012 06:15 PM

Re: No SPs from Amex???

Idk if you're being serious or not, but of course that's not what I meant...

I mean that they have not sp'ed my TU report at all in over a month! Not at all.... Weird to have NO sps from an existing creditor, esp. since most creditors sp a few times within the first few weeks of approval. Hmm
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 3 of 12
0 Kudos
Walt_K
Senior Contributor
‎11-05-2012 07:06 PM
‎11-05-2012 07:06 PM

Re: No SPs from Amex???

Have you looked at EX?  That's who they usually pull for approval.  I've never paid attention if they soft all my reports or just EX.

Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720

Take the FICO Fitness Challenge
Message 4 of 12
0 Kudos
webhopper
Moderator Emeritus
‎11-05-2012 07:07 PM
‎11-05-2012 07:07 PM

Re: No SPs from Amex???

In my experience they softed me every two months on ex.... ymmv...

FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!
Message 5 of 12
0 Kudos
Repo-ed
Senior Contributor
‎11-05-2012 07:29 PM
‎11-05-2012 07:29 PM

Re: No SPs from Amex???

i would look at your ex cr
5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 6 of 12
0 Kudos
gettnthere
Established Contributor
‎11-05-2012 07:41 PM
‎11-05-2012 07:41 PM

Re: No SPs from Amex???

AMEX has SP'd my EX CR 6 times since june


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 7 of 12
0 Kudos
youngandcreditwrthy
Senior Contributor
‎11-05-2012 07:44 PM
‎11-05-2012 07:44 PM

Re: No SPs from Amex???

Nah... I haven't checked Exp. I just tried to pull that report, and the CRA wants me to call in :-/ lol. I'll wait til I'm closed to my 61 day then request it so I can what sp they will base my 3xcli approval on. Hahah. They based my approval on TU though, which is why I thought they'd be sp'ing TU.

Thanks :-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 8 of 12
0 Kudos
RonDawg
Contributor
‎11-05-2012 08:24 PM
‎11-05-2012 08:24 PM

Re: No SPs from Amex???

@youngandcreditwrthy wrote:
So I just got my first Amex, the BCE, Oct 1st. They approved me based on a TU FICO of 696. I just checked my TU report, and I have absolutely no sps from them.... Is this weird?!? I thought they were notorious for softing like crazy? Barclay's and GECRB have def been sp'ing me like crazy haha. Hmmmmm

They SP my EX file BTW that was the same file they used to approve my accounts.

AMEX Platinum, AMEX Blue cash (10k), AMEX Delta (10k), US Bank Premier Line (14.5k), US Bank Cash + (7.5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (9.5k), Chase Sapphire Preferred (8k), Alerus Financial Visa Signature issued by Elan (10k), BofA Cash Rewards (10k), Citi Thankyou Pref (6.5k) TU FICO Score = 807, EQ FICO Score = 780, EX FICO Score = 780,
CreditKarma score = 785, CreditSesame score = 773, Vantage = 903
Message 9 of 12
0 Kudos
Anonymous
Not applicable
‎11-05-2012 08:34 PM
‎11-05-2012 08:34 PM

Re: No SPs from Amex???

I'd have to agree with everyone else - they are more than likely softing your experian! 

Message 10 of 12
0 Kudos
† Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.