topic Re: Recent Experience with AMEX in Credit Cards

Recent Experience with AMEX

Anonymous — Fri, 17 Dec 2010 20:52:34 GMT

hi to all , i just wanted to share with you all that i finally got my amex blue cash , my utilisation was 9% and my score were in the 700's . it seems they pull all 3 bureau .

this is my second amex blue card . i went for the blue cash just for the cash back on it , was going to go for discover but i felt amex was better . so anyone out there that have a blue cash can you share some experience you had carrying that card .

Re: Recent Experience with AMEX

ArisGreek — Fri, 17 Dec 2010 22:54:15 GMT

This is very curious. Since when has AMEX been pulling all 3 bureaus? I feel like this is the 3rd or 4th person that has said that they've pulled all 3 today...I wonder if they are no longer pulling just EX.

Re: Recent Experience with AMEX

android01 — Fri, 17 Dec 2010 23:07:23 GMT

Interesting. I applied and was approved for the Delta Skymiles card a week ago, and they only pulled EX.

Re: Recent Experience with AMEX

Anonymous — Fri, 17 Dec 2010 23:11:55 GMT

@ArisGreek wrote:
This is very curious. Since when has AMEX been pulling all 3 bureaus? I feel like this is the 3rd or 4th person that has said that they've pulled all 3 today...I wonder if they are no longer pulling just EX.

It depends on the credit profile. Sometimes when checking EX information is conflicting, possible thin file, not enough history, etc.... Then Amex will pull another report and see if they can verify conflicting information, not as thin file, and possibly longer history., etc... Which IMO isn't a bad thing if verifying proper information to avoid fraud, and doing what they can to get you approved off a different CRA. Think positive!!!!!

EDITED to add; This is more likely to happen if you call in for approval and or recon. I have never heard of some one applying on-line and getting approved and having all 3 CRA's pulled. Not saying there can not be a first time.

Re: Recent Experience with AMEX

Anonymous — Sun, 19 Dec 2010 04:29:19 GMT

Can someone tell me how to change my forum name thx

Re: Recent Experience with AMEX

haulingthescoreup — Sun, 19 Dec 2010 05:06:43 GMT

@Anonymous wrote:
Can someone tell me how to change my forum name thx

You'll need to pm Barry, the myFICO forums administrator. You can include the requested new name. Luckily, you have very few posts at the moment, which helps avoid confusion.

Re: Recent Experience with AMEX

Anonymous — Sun, 19 Dec 2010 07:54:54 GMT

@Anonymous wrote:
Can someone tell me how to change my forum name thx

I like your name

Re: Recent Experience with AMEX

scottwagnon — Sun, 19 Dec 2010 08:00:58 GMT

i drive a 1994 honda accord ex sedan