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Odds of another 3xCR pull by Amex

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drkaje
Senior Contributor

Re: Odds of another 3xCR pull by Amex


@pizzadude wrote:

@drkaje wrote:

Do they HP existing members on new card Apps?


Yes, if approved ~ no, if declined.  

 


Thanks for the clarification!

 

I just asked them to bump the limit on my BCP and got the dreaded 7-10 day message, LOL!

 


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


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Message 11 of 13
pizzadude
Credit Mentor

Re: Odds of another 3xCR pull by Amex


@drkaje wrote:

@pizzadude wrote:

@drkaje wrote:

Do they HP existing members on new card Apps?


Yes, if approved ~ no, if declined.  

 


Thanks for the clarification!

 

I just asked them to bump the limit on my BCP and got the dreaded 7-10 day message, LOL!

 


Good luck !  Hopefully they'll come thru for you  Smiley Happy   but at least it's only a soft pull either way....

 

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 12 of 13
Revelate
Moderator Emeritus

Re: Odds of another 3xCR pull by Amex


@pizzadude wrote:

@drkaje wrote:

@pizzadude wrote:

@drkaje wrote:

Do they HP existing members on new card Apps?


Yes, if approved ~ no, if declined.  

 


Thanks for the clarification!

 

I just asked them to bump the limit on my BCP and got the dreaded 7-10 day message, LOL!

 


Good luck !  Hopefully they'll come thru for you  Smiley Happy   but at least it's only a soft pull either way....

 


We've had reports of marginal/borderline apps being made, and a HP being done anyway almost always on a non-EX bureau IIRC.  The result was a decline.

 

It's rare, but an application can result in a HP without it's being an approval, it's just not very likely statistically and if it does, you know you were really close regardless.

 




        
Message 13 of 13
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