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Valued Contributor
creditnocash
Posts: 2,175
Registered: ‎07-23-2012

Amex Secure Question? pulling the reports.

it says for the 14.95 a month you get to pull your reports twice right? 

i had the trial activated on 10/1/12 and had pulled twice the last being 10/26/12

amex wont let me get another report now until 11/16/12. and they charged me the 14.95 for next month (nov)

 

so that would really only leave me with one pull in the whole month? what gives? 

Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
my-own-fico
Posts: 1,122
Registered: ‎01-05-2010

Re: Amex Secure Question? pulling the reports.

Yes, I've wondering about that for some time. It looks to me like from the time you pull a report, the second after that is in a month from then. And the same for the ones inbetween. The even number reports will never be less than a month inbetween, and the odd number reports will never be less than a month inbetween. There's no carry-over of any sort. So if you pull a report later than when you can, e.g. Nov 5 instead of Nov 1, the second after that can't be pulled until Dec 5. Does that make sense?

New Contributor
ready13
Posts: 59
Registered: ‎08-07-2012

Re: Amex Secure Question? pulling the reports.

Yes I agree that is not the way I like them to give me my pulls on reports but they do expect you to count from the day you pulled the first report and take from that day to count as a month until the next time you count as a month not the start of the month regardless
Valued Contributor
Epcot
Posts: 2,777
Registered: ‎10-10-2012

Re: Amex Secure Question? pulling the reports.

I agree that it is a little confusing how they do it. Some months I could only pull 1-2 times, while others I was able to pull 3 in a 30 day span.
In the end I upgraded to the unlimited plan and don't have to worry about it.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Frequent Contributor
TheConductor
Posts: 487
Registered: ‎07-24-2012

Re: Amex Secure Question? pulling the reports.

The key thing to be aware of is it's two pulls per 30 days, not per month. Their specific language on the home page is "Get 3 PLUS Scores1 and 3 reports from the 3 credit bureaus twice every thirty days"

 

When 30 days have elapsed since your first report, you can pull one more. But that takes you back to a total of 2 within 30 days, so you have to wait for 30 days since the second report to pull the 4th, and so on.

 

Starting: EQ 622 (myFICO 7/7/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12)
Current: EQ 686 (myFICO 7/11/14), EX 682 (mortgage pull 7/7/14) , TU 691 (WalMart 7/11/14) Goal: 700+ x3
My Wallet: Amex BCP $30k, Chase CSP VS $12.2k, Amex Zync NPSL (> 10k), C1 Venture VS $5k, Amex SPG $4.5k, Barclaycard Apple V $2k, Walmart (Store) $1.6k, Chase Freedom V $1100, BoA Cash Rewards V $500, Best Buy Rewards MC $500
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Amex Secure Question? pulling the reports.

I got daily 3 bureau pulls for 14.95... Back in feb, are they no longer offering this?

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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