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Member
Rexmundi000
Posts: 21
Registered: ‎03-27-2012
0

Re: What CCC pulls Experian ONLY

Just call them, they will connect a 3 way call with your bank to verify your address. Then it is insta approved. Apply for the revolver after you get the charge approved.

Senior Contributor
youngandcreditwrthy
Posts: 6,211
Registered: ‎08-16-2012
0

Re: What CCC pulls Experian ONLY

That's what I did this morning rexmunndiii!!!!
Do it!!!
Worked like a charm! Theyll get the bank on the line for you:-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
youngandcreditwrthy
Posts: 6,211
Registered: ‎08-16-2012
0

Re: What CCC pulls Experian ONLY

Check amex app status online and then call the number to the left by the the btm of the screen.. Have her tell 'em she will do the verification over the phone!! It will work... I did it this morning :-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: What CCC pulls Experian ONLY

They say she has to send in a bank letterhead stating she has a acct with them with her current address.. She hopes she get approved

Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012
0

Re: What CCC pulls Experian ONLY

You can 3-way call your bank to verify address. I had to do this and it was much faster than snail mail....

See here as it worked today:
http://ficoforums.myfico.com/t5/Credit-Cards/Approved-for-Motiva-approval-for-Amex-BCE/td-p/1617948/...

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: What CCC pulls Experian ONLY

Thanks jd5189. So do amex have to know much long the acct has been opened with the bank and how much money is in her acct when they call and do the address verf?

Member
Rexmundi000
Posts: 21
Registered: ‎03-27-2012
0

Re: What CCC pulls Experian ONLY

When I did it the only thing they did was confirm the address. The usbank rep was actually a little uncomfortible doing it at all. She made me say me address and then confirmed that it was the one they had on file. No personal info other than address and I guess the account #.

Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: What CCC pulls Experian ONLY

Thanks

Frequent Contributor
Imua
Posts: 292
Registered: ‎01-17-2009
0

Re: What CCC pulls Experian ONLY


youngandcreditwrthy wrote:

idk if this is true....

AMEX pulled TU for me last night

 

 BOA only pulled EXP for me like a year ago.. but I hate boa haha


BofA pulled only EX for me last week (in Hawaii)

I like BofA :smileywink:


BofA visa $9.4k ... BofA Cash Rewards visa sig $10k ... Cap 1 Venture1 visa sig $10k ...
Chase Freedom visa $10k ... Macy's $1.5k ... Macy's Amex $5k ... Sam's Club $6.3k
myFICOs as of 3/25/14:...EX=809 .... EQ=802....TU=787
Moderator
Revelate
Posts: 9,009
Registered: ‎12-30-2011
0

Re: What CCC pulls Experian ONLY


Imua wrote:

youngandcreditwrthy wrote:

idk if this is true....

AMEX pulled TU for me last night

 

 BOA only pulled EXP for me like a year ago.. but I hate boa haha


BofA pulled only EX for me last week (in Hawaii)

I like BofA :smileywink:


National lenders (BOFA / Chase / Amex) tend to pull on regional lines based on where you've lived predominantly probably for the last 7ish years.

 

Pretty much every lender I'd apply to wants to see my EX report (I've lived in Socal for the last 7.5 years now) unless I go out of my way to apply with someone who pulls a different bureau.  

 

For reference, Amex pulls EX nearly exclusively for charge cards unless borderline as LS accurately states; however, for their revolvers they'll go with whatever bureau they feel will give them the most resolution.  That may be on regional lines, or they may pick another bureau if they already have your EX report on file if you're currently one of their customers.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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