topic Re: Amex pre approve app help name mess up in Credit Card Applications

Amex pre approve app help name mess up

Anonymous — Thu, 08 Aug 2019 14:31:00 GMT

Hello so i went and did there pre approval and i put all the info in but for some reason my wifes name came up i guess because of cookies and i didnt see it till last min after i hit submit it came back as her name and didnt have any offers for there credit card guess my score is to low still.. should i worry about the mess up since it was a soft pull? Dont want it to mess up my chances when my credit score is high enough to get a card with them

Re: Amex pre approve app help name mess up

Remedios — Thu, 08 Aug 2019 14:37:47 GMT

@Anonymous wrote:
Hello so i went and did there pre approval and i put all the info in but for some reason my wifes name came up i guess because of cookies and i didnt see it till last min after i hit submit it came back as her name and didnt have any offers for there credit card guess my score is to low still.. should i worry about the mess up since it was a soft pull? Dont want it to mess up my chances when my credit score is high enough to get a card with them

Hi and welcome to the forum

There is no hard, it's just a SP preapproval form and it cannot mess up your credit.

Try again later when your credit improves somewhat

Re: Amex pre approve app help name mess up

Anonymous — Thu, 08 Aug 2019 14:43:44 GMT

Ok just dont want them thinking my wife was using my social.. And dont want this mess up hurt me from getting a card with them .

Re: Amex pre approve app help name mess up

Medic981 — Thu, 08 Aug 2019 14:53:33 GMT

Since you were just seeing if you were pre-approved I do not believe it will be an issue. Most CC sites have a disclaimer which states that "this is not an application for credit" and "this will not affect your credit scores". Since you were not applying for credit I do not see much if any damage you could have caused towards a future application.

Re: Amex pre approve app help name mess up

Anonymous — Thu, 08 Aug 2019 14:57:32 GMT

Thank you it was my mistake i should of went over everything before i hit submit i was not thinking... just dont want them thinking my wife was using my social since it was submit with her name

Re: Amex pre approve app help name mess up

Medic981 — Thu, 08 Aug 2019 15:10:13 GMT

Did you try a pre-approval with the correct information?

Re: Amex pre approve app help name mess up

Anonymous — Thu, 08 Aug 2019 15:14:40 GMT

yes same answer came up... we could not find pre qualified offers for you at this time

Re: Amex pre approve app help name mess up

Medic981 — Thu, 08 Aug 2019 15:24:48 GMT

I had no pre-approved offers when I applied. I do not know what your credit profile looks like but my FICOs scores were in the 690s - 710s when I applied and was approved.

Re: Amex pre approve app help name mess up

Anonymous — Thu, 08 Aug 2019 15:30:23 GMT

I'm at 630 fico... so i shouldnt worrie about the mistake since it was not a hard pull?

Re: Amex pre approve app help name mess up

Medic981 — Thu, 08 Aug 2019 15:42:03 GMT

I would not worry about it. It was an innocent mistake that can be easily explained if need be.

Re: Amex pre approve app help name mess up

Anonymous — Thu, 08 Aug 2019 15:43:57 GMT

Thank you for helping me....

Re: Amex pre approve app help name mess up

Medic981 — Thu, 08 Aug 2019 15:46:57 GMT

@Anonymous wrote:
I'm at 630 fico... so i shouldnt worrie about the mistake since it was not a hard pull?

In order to be approved for an Amex card, you will need a mid- to high-600s FICO credit score from Experian which Amex almost exclusively uses. Having a higher income also can help.

Re: Amex pre approve app help name mess up

Anonymous — Thu, 08 Aug 2019 15:51:41 GMT

Ok cool thanks for your time.. i will just wait to i'm close to 700 to try again...

Also amex has this is not a Credit Card application on there site ..

Re: Amex pre approve app help name mess up

Medic981 — Thu, 08 Aug 2019 15:59:07 GMT

@Anonymous wrote:
Ok cool thanks for your time.. i will just wait to i'm close to 700 to try again...
Also amex has this is not a Credit Card application on there site ..

No harm, no foul. You were not fraudulently attempting to acquire credit. You were just asking Amex a question.

Re: Amex pre approve app help name mess up

Anonymous — Thu, 08 Aug 2019 16:01:26 GMT

Ok thank you