topic Re: Amex CLI question in Credit Cards

Amex CLI question

Cstl05 — Wed, 17 Feb 2010 00:51:04 GMT

Hey all I was wondering if some one could give me a straight answer, as I haven't been able to get one from the CSR.

I've been told on two occasions that Amex only does soft pulls for CLI's, however they pulled ex for me, so even if the soft pull was a hard pull I wouldn't know is this correct? Because you cant pull Ex?

I just called again and was told that Amex does hard pulls and soft pulls, but there is NO way for the CSR to know what it pulls, is this correct?

So, how would one find out whether the pull was a soft or hard if one cannot pull an Experian Credit Report?

Thank you so much in advance!

Re: Amex CLI question

haulingthescoreup — Wed, 17 Feb 2010 00:58:48 GMT

You can get your Experian credit report. You just can't get your EX FICO score. Very different critters.

You can get the full report from Experian, which lists both hard and soft inqs, from their website for a fee or from annualcreditreport.com if it's been 12 months since you've gotten a freebie.

You can get third-party monitoring service reports, which don't list softs or give contact info for many accounts, from a number of sources. They can be very helpful to check for changes in your credit reports, but ignore the scores, which are always FAKO's.

At any rate, if there was a hard inq made, it would show up on either the full report or a credit-monitoring service report, assuming that the monitoring service genuinely refreshes when you pull a report.

edt: cna't splel

Message Edited by haulingthescoreup on 02-16-2010 04:58 PM

Re: Amex CLI question

DI — Wed, 17 Feb 2010 00:58:35 GMT

AMEX can pull any of credit reports for an account review without your permission. But if you request a CLI you give them the options to make a hard or soft pull. Since you're already doing business with AMEX, they will simply do a soft pull in most cases. If you wanting a big CLI, they may want to make a hard inquiry.

AMEX would inform you if they need to make a hard pull to determine if you're eligible for a CLI. When speaking with the CSR, you can ask if the pull for a CLI would result in a soft or hard inquiry.

For me, my CLI's resulted in a soft inquiry.

Re: Amex CLI question

Jazzzy — Wed, 17 Feb 2010 00:59:27 GMT

Hi...my CLI from AmEx did not require a hard pull. This was in the fall.

And...you can pull an Experian credit report. You just can't get an Experian FICO score. You can get the report, though. That should tell you if they pulled.

Re: Amex CLI question

Cstl05 — Wed, 17 Feb 2010 01:06:46 GMT

Thank you all.

What would be a good credit monitoring system to check up on my experian reports?

Does the CSR know if it will be a hard or soft pull? The one I talked to just now said they don't know, and can't tell, but the one who did a CLI for me a month ago told me it was soft, and it usually always is a soft pull, unless you request over 3 times your limit.

Can anyone verify this? thank you!

Re: Amex CLI question

DI — Wed, 17 Feb 2010 01:21:17 GMT

Many of the credit monitoring sites doesn't show soft inquiries.

Re: Amex CLI question

Jazzzy — Wed, 17 Feb 2010 02:30:20 GMT

@gl4662 wrote:
Thank you all.

What would be a good credit monitoring system to check up on my experian reports?

Does the CSR know if it will be a hard or soft pull? The one I talked to just now said they don't know, and can't tell, but the one who did a CLI for me a month ago told me it was soft, and it usually always is a soft pull, unless you request over 3 times your limit.

Can anyone verify this? thank you!

I can only verify what happened with my CLI. The card went from $2k to $6k...exactly 3 times. That CLI was a soft pull. Don't know what would have happened if I had asked for more. And, with this CLI they verified income. My husband is self-employed, so we get that a lot.

Re: Amex CLI question

haulingthescoreup — Wed, 17 Feb 2010 12:40:14 GMT

DI wrote:
Many of the credit monitoring sites doesn't show soft inquiries.

The only one I know that does is Equifax Credit Watch Gold, because it allows you to pull a full report. Even then, only the EQ report is full. The other two are the short versions, and after the three free that you get when you sign up, you have to pay to look at a TU or EX report.

Re: Amex CLI question

Cstl05 — Fri, 19 Feb 2010 03:39:38 GMT

Since they pulled Ex for me and since they will probably do a soft pull when i request an increase, is it safe to say that my Ex score has gone up since my Eq score has gone up? when I applied for the card my Credit score was at 745, now it is at 780.

Re: Amex CLI question

smallfry — Fri, 19 Feb 2010 03:55:25 GMT

@gl4662 wrote:
Since they pulled Ex for me and since they will probably do a soft pull when i request an increase, is it safe to say that my Ex score has gone up since my Eq score has gone up? when I applied for the card my Credit score was at 745, now it is at 780.

If the reports are the same most probably yes.

Re: Amex CLI question

fused — Fri, 19 Feb 2010 03:56:53 GMT

Is the info on your EQ and EX reports about the same? Or, are there some differences? If there are differences, what are they?

Re: Amex CLI question

Cstl05 — Fri, 19 Feb 2010 03:58:02 GMT

how do i find out info on my experian report?

Re: Amex CLI question

Creditaddict — Fri, 19 Feb 2010 04:05:01 GMT

you can go to Experian.com and purchase a report for about $10... im sure there are ways to get free also.

Re: Amex CLI question

fused — Fri, 19 Feb 2010 04:09:20 GMT

You can get a free report at annualcreditreport.com. Sorry, I'm having trouble posting a live link for it.

Re: Amex CLI question

Cstl05 — Fri, 19 Feb 2010 04:16:02 GMT

my fako experian has increased from 736 to 748. Question im an AU on my parents account , and it shows their balance on my credit score, but only on the experian is that normal?? Should I close the AU account? But whats funny is it doesnt show up on my Equifax score..

Re: Amex CLI question

Anonymous — Fri, 19 Feb 2010 04:43:08 GMT

Since you have Amex you can sign up for credit monitoring through them. You can get an updated report every day and then go the the dispute information tab. Experian has online dispute service available through that tab and once you have verified your address a new page opens up and you can view hard and soft inquiries. I have never had anything to dispute but I go there daily to keep track of soft inquiries. I check my Equifax softs daily through their ID Patrol product, so the only ones I am in the dark about are Transunion.

Re: Amex CLI question

Cstl05 — Fri, 19 Feb 2010 04:46:30 GMT

great, do you know why my au card would show a balance of 3 grand when I am only authorized for 2? Is it showing my parents balance on my credit report? And why is Experian showing it but not Equifax? Should I close my au account since my parents use their card that I am au'd under?

Re: Amex CLI question

MarineVietVet — Fri, 19 Feb 2010 05:30:28 GMT

@fused wrote:
You can get a free report at annualcreditreport.com. Sorry, I'm having trouble posting a live link for it.

Here ya go fused. annualcreditreport.com

Re: Amex CLI question

fused — Fri, 19 Feb 2010 06:46:47 GMT

Thank you!

Re: Amex CLI question

wajj — Sat, 20 Feb 2010 02:33:48 GMT

All of the Experian based credit monitoring services I've used (CCT and USAA) allow you to get a daily Experian report complete with soft pulls. When you bring up your report, click on the Experian online dispute link and you will get a new copy of your Experian report. No one says you have to actually file a dispute