topic Re: AMEX reporting in Credit Cards

AMEX reporting

Anonymous — Thu, 09 Jul 2015 13:17:00 GMT

How long did it take for you guys, for AMEX to start reporting to the credit bereaus?

I just activated my PRG last night, still waiting on my BCE.

Re: AMEX reporting

Anonymous — Thu, 09 Jul 2015 14:27:54 GMT

I was approved for BCE on 05/12/15 and have not seen a hard pull or any reporting from them yet.

Re: AMEX reporting

Anonymous — Thu, 09 Jul 2015 14:32:25 GMT

I havent seen a HP yet too lol

Re: AMEX reporting

Anonymous — Thu, 09 Jul 2015 14:34:08 GMT

@Anonymous wrote:
I havent seen a HP yet too lol

Where are you looking to see if you have a HP?

Re: AMEX reporting

Anonymous — Thu, 09 Jul 2015 14:41:04 GMT

Usually CreditKarma or Credit Sesame will alert me, if there has been any activity on my reports

Re: AMEX reporting

Anonymous — Thu, 09 Jul 2015 15:03:01 GMT

@Anonymous wrote:
Usually CreditKarma or Credit Sesame will alert me, if there has been any activity on my reports

Well then that's why you haven't seen an alert for an inquiry from Amex. CreditKarma checks your EQ and TU reports and will not report an inquiry on Experian which is the bureau that American Express pulls. Credit Sesame only checks your TU report and also will not show an inquiry on Experian. I can almost guarantee you that you have an inquiry on Experian

Re: AMEX reporting

Anonymous — Thu, 09 Jul 2015 15:09:07 GMT

@Anonymous wrote:
@Anonymous wrote:
Usually CreditKarma or Credit Sesame will alert me, if there has been any activity on my reports
Well then that's why you haven't seen an alert for an inquiry from Amex. CreditKarma checks your EQ and TU reports and will not report an inquiry on Experian which is the bureau that American Express pulls. Credit Sesame only checks your TU report and also will not show an inquiry on Experian. I can almost guarantee you that you have an inquiry on Experian

Thanks for the information, I didnt know this at all.

Re: AMEX reporting

Anonymous — Thu, 09 Jul 2015 15:27:27 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Usually CreditKarma or Credit Sesame will alert me, if there has been any activity on my reports
Well then that's why you haven't seen an alert for an inquiry from Amex. CreditKarma checks your EQ and TU reports and will not report an inquiry on Experian which is the bureau that American Express pulls. Credit Sesame only checks your TU report and also will not show an inquiry on Experian. I can almost guarantee you that you have an inquiry on Experian
Thanks for the information, I didnt know this at all.

You're very welcome. Common misperception that people have about those two reports.

Re: AMEX reporting

Anonymous — Thu, 09 Jul 2015 16:04:26 GMT

Experian has my inquiry. No TL reporting since May 2015.