topic Re: Amex FICO Score / Softpull Data in Credit Cards

Amex FICO Score / Softpull Data

dallasareaguy — Tue, 19 Jul 2016 21:39:01 GMT

Does anyone know if the date of FICO score showing on Amex profile is also the date of the softpull Amex is using?

I am expecting a large FICO score gain in the coming days but it lists my FICO score date as of the 29th of the month.

Should I wait until after that to proceed with my CLI so that my score jumps when they decide on my 3X CLI?

Re: Amex FICO Score / Softpull Data

Anonymous — Tue, 19 Jul 2016 22:08:01 GMT

I would assume they use the data from the last SP in making their CLI decisions... so if you know that you will be getting another SP very soon and that it will definitely show a nice improvement I'd certainly suggest waiting on requesting the CLI. Could mean a 3X CLI instead of a 2X CLI... who knows. It certainly won't hurt, and what's another week or two of waiting you know?

Re: Amex FICO Score / Softpull Data

Anonymous — Tue, 19 Jul 2016 22:49:16 GMT

I would wait until after your score updates on your Amex account. Good luck on your CLI!

Re: Amex FICO Score / Softpull Data

Anonymous — Tue, 19 Jul 2016 22:54:55 GMT

@Anonymous wrote:
I would assume they use the data from the last SP in making their CLI decisions... so if you know that you will be getting another SP very soon and that it will definitely show a nice improvement I'd certainly suggest waiting on requesting the CLI. Could mean a 3X CLI instead of a 2X CLI... who knows. It certainly won't hurt, and what's another week or two of waiting you know?

Agreed!

Re: Amex FICO Score / Softpull Data

Anonymous — Tue, 19 Jul 2016 23:31:42 GMT

@I did my last 3x cli @29k w. out and verification. My scores @ amex at the time were about 765 ,was still in my 0 promo and had a bal of 6400 on a 22.5k limit

@beautifulblaquepearl wrote:
@Anonymous wrote:
I would assume they use the data from the last SP in making their CLI decisions... so if you know that you will be getting another SP very soon and that it will definitely show a nice improvement I'd certainly suggest waiting on requesting the CLI. Could mean a 3X CLI instead of a 2X CLI... who knows. It certainly won't hurt, and what's another week or two of waiting you know?
Agreed!