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What does Amex pull when app'ing?

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Hcontreras
Frequent Contributor

What does Amex pull when app'ing?

Does anyone know which CRA's AMEX pulls when apping online? All 3?

In my wallet: AMEX BCE $18k | AMEX ED $19.5k | AMEX EDP $10k | AMEX BCEP $10k | HEFCU $10k | Discover it $8.8k | Capital One QS $9k | Chase Freedom $4.5k | Walmart $3,200 | JCrew $2,350 | Chase Slate (AU) $22k.
Now in the garden...
Current FICO Scores: 783 (EX) | 766 (EQ) | 764 (TU)
Message 1 of 27
26 REPLIES 26
BigBS
Senior Contributor

Re: What does Amex pull when app'ing?

Pulled EX for me last month.

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 2 of 27
Hcontreras
Frequent Contributor

Re: What does Amex pull when app'ing?

Only that one?

In my wallet: AMEX BCE $18k | AMEX ED $19.5k | AMEX EDP $10k | AMEX BCEP $10k | HEFCU $10k | Discover it $8.8k | Capital One QS $9k | Chase Freedom $4.5k | Walmart $3,200 | JCrew $2,350 | Chase Slate (AU) $22k.
Now in the garden...
Current FICO Scores: 783 (EX) | 766 (EQ) | 764 (TU)
Message 3 of 27
fot1
Established Contributor

Re: What does Amex pull when app'ing?

If you are borderline then they will pull all three.. That was my case atleast.

Too many to list..
Message 4 of 27
BigBS
Senior Contributor

Re: What does Amex pull when app'ing?


@Hcontreras wrote:

Only that one?


That was it for me.

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 5 of 27
-NewGuy-
Moderator Emeritus

Re: What does Amex pull when app'ing?

They will pull EX for sure. If your app isnt a clear approval they can pull the other two.
Message 6 of 27
Hcontreras
Frequent Contributor

Re: What does Amex pull when app'ing?


@fot1 wrote:

If you are borderline then they will pull all three.. That was my case atleast

With my score on my siggy, would I be considered borderline for BCE, BCP, or Blue sky?

In my wallet: AMEX BCE $18k | AMEX ED $19.5k | AMEX EDP $10k | AMEX BCEP $10k | HEFCU $10k | Discover it $8.8k | Capital One QS $9k | Chase Freedom $4.5k | Walmart $3,200 | JCrew $2,350 | Chase Slate (AU) $22k.
Now in the garden...
Current FICO Scores: 783 (EX) | 766 (EQ) | 764 (TU)
Message 7 of 27
striehl8212
Frequent Contributor

Re: What does Amex pull when app'ing?


@Hcontreras wrote:

@fot1 wrote:

If you are borderline then they will pull all three.. That was my case atleast

With my score on my siggy, would I be considered borderline for BCE, BCP, or Blue sky?


I think you will be fine. My Experian score was 721 at the time of my app for the BCP and I was approved for $6,000. 

March 2014: EX 693 I EQ 672 I TU 694
September 2014: EX 721 I EQ 741 I TU 742
Message 8 of 27
Jitdc2
New Contributor

Re: What does Amex pull when app'ing?

Scores are only one component of approval, do you have any derogs or negatives of any kind, AAoA, inquires, income etc. Just based on those scores without any other data I think you would be beclined for BCE/BCP, don't know about the Blue Sky thought. You could possibly be approved for Delta Gold Skymiles and PC it to BCE in a year though... Just a thought. 

Message 9 of 27
fot1
Established Contributor

Re: What does Amex pull when app'ing?


@Hcontreras wrote:

@fot1 wrote:

If you are borderline then they will pull all three.. That was my case atleast

With my score on my siggy, would I be considered borderline for BCE, BCP, or Blue sky?


I would hold off with those scores. I had 720's and was denied.. I also had a new loan and Freedom card at the time. Personally I would wait till you hit 700 and then look at amex..

Too many to list..
Message 10 of 27
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