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Obsess with Express

Established Contributor

Re: Obsess with Express

Nobody mentioned yet that AMEX generally pulls EX exclusively, therefore, the OP is in a great position to apply for the SPG AMEX. 

 

OP I'd say go for it.

AMEX SPG $30K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $20k | | NASA Platinum-Advantage $20k | CapOne Quicksilver $15k | Amazon Card $10k |

My Journey from Sub-600s:
Moderator

Re: Obsess with Express


Jlu wrote:

Nobody mentioned yet that AMEX generally pulls EX exclusively, therefore, the OP is in a great position to apply for the SPG AMEX. 

 

OP I'd say go for it.



You're correct on their charge cards, but Amex revolvers are a different animal.  I suspect in this case there will be 2 reports pulled: new customer, not quite easy approval.   Could well be wrong, but I wouldn't bet on it's being an EX pull only in this instance.

 

 

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Established Contributor

Re: Obsess with Express

It's possible. I have only applied for their charge cards where they pull EX only. 

AMEX SPG $30K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $20k | | NASA Platinum-Advantage $20k | CapOne Quicksilver $15k | Amazon Card $10k |

My Journey from Sub-600s:
Frequent Contributor

Re: Obsess with Express

They only pulled EX for my BCE, but they SP me all the time on EX and EQ to pre-approve the PRG.

Regular Contributor

Re: Obsess with Express


SwampSystems wrote:

They only pulled EX for my BCE, but they SP me all the time on EX and EQ to pre-approve the PRG.


Hello All and thaks again for your assistance.  I really want to know the best route, recently I applied for the NFCU membership (3-5 dy wait) and thought I would go for a high CL and BT, but I am interested in applying for a best AMEX to start the process . . . comments.  As I mentioned, my EX is very clean EQ and TU show the BK, which will delete 10.13.


Thanks for your comments,

 

-HotPoint

 

8.12.12   EX 761 - USAA

8.12.12   EQ 687 - FICO

8.13.12   TU 702 - FICO

Valued Contributor

Re: Obsess with Express


Creditaddict wrote:

I would apply for Charge Card and if approved go back in and try for the revolver you want... 1 INQ - probably pretty good chance.

Also if you are at 30-40% and can't pay it off why not open new account and BT what you have now... not sure your limits but with no inq or new accounts in over 2 years, you are probably in a pretty good place to get a few new bigger cards and get that util overall down while you work on the individual util.


+1

 

they usually pull EX for charge cards, Not sure if they do double pulls if you ask for a revolver after you are approved. Best backdating play would be charge card now, then revolver in january, free 8 months of backdating goodness. 

 

 

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Regular Contributor

Re: Obsess with Express

I was just approved a week ago for BCE and they pulled EX. I think you'd be ok.
Established Contributor

Re: Obsess with Express

They pulled all three when I applied for the delta amex. However I had a BK reporting on all three when I applied (I hadn't found these forums yet, didn't realize I was just wasting my inquiries Smiley Happy

 

Anyways, just wanted to throw it out there that AMEX could possibly pull EQ and TU- esp with questionable credit.


BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($29,500) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($28,000)

Experian 746 Transunion 806-- July 2017
Regular Contributor

Re: Obsess with Express

95% of the time they will pull EX. I believe they have ownership in EX. They also have a significantly large historical db and they use that just as much as they use a CRA Report.

 

I was denied my SPG with scores of +680 and got it successfully on a complicated recon. I app'd only because I knew I had a CO deletion coming which was about 2 years old and about $500. 

 

I would say that you need 710+ scores at least before making a worthwhile try for the SPG. Also I was a Plat card holder, but still originally got denied. The revolver process is severely more stringent and expect a manual review in all cases that you apply for a SPG. 


    NPSL              $25k            $25k              $23k              $22k               $16k              $12k              $10k            $6.5k
Regular Contributor

Re: Obsess with Express


CreditEd wrote:

95% of the time they will pull EX. I believe they have ownership in EX. They also have a significantly large historical db and they use that just as much as they use a CRA Report.

 

I was denied my SPG with scores of +680 and got it successfully on a complicated recon. I app'd only because I knew I had a CO deletion coming which was about 2 years old and about $500. 

 

I would say that you need 710+ scores at least before making a worthwhile try for the SPG. Also I was a Plat card holder, but still originally got denied. The revolver process is severely more stringent and expect a manual review in all cases that you apply for a SPG. 


Thanks again for the insight - perhaps I should apply for the simply process since my EX is perfect . . .

 

HotPoint