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Established Contributor
Posts: 869
Registered: ‎07-04-2012
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Re: What are my chances for AMEX BCE?

They pull your recent credit repot but only you and them can see that inquiry being made.

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Frequent Contributor
Posts: 274
Registered: ‎11-23-2011
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Re: What are my chances for AMEX BCE?


CruzImperial wrote:

They pull your recent credit repot but only you and them can see that inquiry being made.


Oh. I see. Thank you.

I think I've read in the past that some people have been denied because Amex will use a credit report from the previous month or something like that (before they had paid down balances). 



Scores: EX: 793 EQ: 804 TU: 801
Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
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Re: What are my chances for AMEX BCE?

www.whogavemecredit.com

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Contributor
Posts: 97
Registered: ‎07-17-2012
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Re: What are my chances for AMEX BCE?

[ Edited ]
A

Cdnewmanpac wrote:

 


matt6781 wrote:
I have the Amex bce does that mean if app for another Amex card it's always a soft pull?

Soft pull if declined, hard pull if accepted.


This also the case for Authorized users?
Valued Contributor
Posts: 2,505
Registered: ‎11-11-2010
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Re: What are my chances for AMEX BCE?


maceto wrote:
A

Cdnewmanpac wrote:

 


matt6781 wrote:
I have the Amex bce does that mean if app for another Amex card it's always a soft pull?

Soft pull if declined, hard pull if accepted.


This also the case for Authorized users?

Only for primary account holder.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Frequent Contributor
Posts: 350
Registered: ‎07-13-2012
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Re: What are my chances for AMEX BCE?

Well when I app'd for the BCP my Ex score was 714, so If your Ex score is close to your Eq then you should be good, hopefully you get a better Apr than me though!

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Regular Contributor
Posts: 138
Registered: ‎11-11-2011
0

Re: What are my chances for AMEX BCE?


ccb2115 wrote:

CruzImperial wrote:

They pull your recent credit repot but only you and them can see that inquiry being made.


Oh. I see. Thank you.

I think I've read in the past that some people have been denied because Amex will use a credit report from the previous month or something like that (before they had paid down balances). 

 


I found with Amex that if you apply for new credit, they sp a current report, but if you request a cli they use the last report they happened to have sp'd for 'account maintanance'.


Starting Score: April 2011- EX FAKO 639, EQ FAKO 645, TU98 FICO 665
Current Score: Jan 2013- EQ FICO 746, EX FICO is the best kept secret in the world, I guess, TU FICO ???, Vantage 790
Goal Score: 760 by years' end. I didn't make the 760 club in 2013 but I'm pounding down the door in 2014.


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