topic Re: AMEX Pre-approval/Prequalify in Credit Cards

AMEX Pre-approval/Prequalify

TeeandDee — Wed, 29 Feb 2012 20:47:49 GMT

Is the AMEX prequalify or preapproval on their website a soft or hard pull?? I noticed that it asked for a lot of information for just a check to see if you have offers (address etc)! I've been meaning to ask this for a while. No plans to apply, just would like to check if I have offers in the next few months, but definatly do not want to check if it's not a soft pull.

Re: AMEX Pre-approval/Prequalify

Revelate — Wed, 29 Feb 2012 20:51:35 GMT

@TeeandDee wrote:
Is the AMEX prequalify or preapproval on their website a soft or hard pull?? I noticed that it asked for a lot of information for just a check to see if you have offers (address etc)! I've been meaning to ask this for a while. No plans to apply, just would like to check if I have offers in the next few months, but definatly do not want to check if it's not a soft pull.

It's not a HP for certain; however, I don't think it's necessarily a soft pull either.

I hit that pre-qual link for giggles at one point, and then a few months later pulled a EX report: nada. It's highly unlikely they would've checked any other bureau with my living in CA. No prior accounts of any sort with Amex then.

Re: AMEX Pre-approval/Prequalify

pizzadude — Wed, 29 Feb 2012 20:54:09 GMT

@TeeandDee wrote:
Is the AMEX prequalify or preapproval on their website a soft or hard pull?? I noticed that it asked for a lot of information for just a check to see if you have offers (address etc)! I've been meaning to ask this for a while. No plans to apply, just would like to check if I have offers in the next few months, but definatly do not want to check if it's not a soft pull.

You won't get a score ding, it is definately not a hard pull.

Re: AMEX Pre-approval/Prequalify

Anonymous — Wed, 29 Feb 2012 21:25:12 GMT

@Revelate wrote:
@TeeandDee wrote:
Is the AMEX prequalify or preapproval on their website a soft or hard pull?? I noticed that it asked for a lot of information for just a check to see if you have offers (address etc)! I've been meaning to ask this for a while. No plans to apply, just would like to check if I have offers in the next few months, but definatly do not want to check if it's not a soft pull.
It's not a HP for certain; however, I don't think it's necessarily a soft pull either.

I hit that pre-qual link for giggles at one point, and then a few months later pulled a EX report: nada. It's highly unlikely they would've checked any other bureau with my living in CA. No prior accounts of any sort with Amex then.

I ususally see a soft on my EX when I do it

Re: AMEX Pre-approval/Prequalify

LS2982 — Wed, 29 Feb 2012 21:47:34 GMT

@TeeandDee wrote:
Is the AMEX prequalify or preapproval on their website a soft or hard pull?? I noticed that it asked for a lot of information for just a check to see if you have offers (address etc)! I've been meaning to ask this for a while. No plans to apply, just would like to check if I have offers in the next few months, but definatly do not want to check if it's not a soft pull.

I don't believe this is even a SP, I think this is just them checking their systems for any offers they qualified you for when they buy info. from the bureaus.

Re: AMEX Pre-approval/Prequalify

aussiesareforever — Thu, 01 Mar 2012 00:54:15 GMT

I agree with LS. I've done the preapproval thing a few times on the AMEX website and they haven't softed me yet.

Re: AMEX Pre-approval/Prequalify

bichonmom — Thu, 01 Mar 2012 03:35:32 GMT

Definitely not a HP, but I do believe it's a soft. I think it's a "PR" soft vs. an "AR" soft. So, they don't get your entire report, but they get enough data to give them an idea of what you might qualify for.

I am opted out and repeatedly tried their pre-approval site and it never worked for me, so I do believe they are checking your credit report to some degree.

Re: AMEX Pre-approval/Prequalify

LS2982 — Thu, 01 Mar 2012 11:24:25 GMT

@bichonmom wrote:
Definitely not a HP, but I do believe it's a soft. I think it's a "PR" soft vs. an "AR" soft. So, they don't get your entire report, but they get enough data to give them an idea of what you might qualify for.

I am opted out and repeatedly tried their pre-approval site and it never worked for me, so I do believe they are checking your credit report to some degree.

I've checked my EX softs a few days after doing the prequalifier with AMEX and nothing shows up.

Re: AMEX Pre-approval/Prequalify

Anonymous — Thu, 01 Mar 2012 11:27:22 GMT

@LS2982 wrote:
@bichonmom wrote:
Definitely not a HP, but I do believe it's a soft. I think it's a "PR" soft vs. an "AR" soft. So, they don't get your entire report, but they get enough data to give them an idea of what you might qualify for.

I am opted out and repeatedly tried their pre-approval site and it never worked for me, so I do believe they are checking your credit report to some degree.

I've checked my EX softs a few days after doing the prequalifier with AMEX and nothing shows up.

Hi LS2982,

How do you see your EXP credit report softs as I belong to Experian Credit Tracker and only shows hard inquiries? Which credit report monitoring service if I may ask?

Thanks!

Re: AMEX Pre-approval/Prequalify

LS2982 — Thu, 01 Mar 2012 11:30:12 GMT

@Anonymous wrote:
@LS2982 wrote:
@bichonmom wrote:
Definitely not a HP, but I do believe it's a soft. I think it's a "PR" soft vs. an "AR" soft. So, they don't get your entire report, but they get enough data to give them an idea of what you might qualify for.

I am opted out and repeatedly tried their pre-approval site and it never worked for me, so I do believe they are checking your credit report to some degree.

I've checked my EX softs a few days after doing the prequalifier with AMEX and nothing shows up.
Hi LS2982,

How do you see your EXP credit report softs as I belong to Experian Credit Tracker and only shows hard inquiries? Which credit report monitoring service if I may ask?
Thanks!

I've been told in the past that it is not recommended to give out that info. on the forums. There is a "backdoor" way to get the info.

Re: AMEX Pre-approval/Prequalify

Cdnewmanpac — Thu, 01 Mar 2012 12:40:21 GMT

@LS2982 wrote:
@bichonmom wrote:
Definitely not a HP, but I do believe it's a soft. I think it's a "PR" soft vs. an "AR" soft. So, they don't get your entire report, but they get enough data to give them an idea of what you might qualify for.

I am opted out and repeatedly tried their pre-approval site and it never worked for me, so I do believe they are checking your credit report to some degree.

I've checked my EX softs a few days after doing the prequalifier with AMEX and nothing shows up.

And do you get offers? I also have never seen a soft from AMEX after doing the prequalifier and am wondering if I'm blacklisted and that is why no soft pull generates. So curious if people who don't see the soft pull are getting offers.

Re: AMEX Pre-approval/Prequalify

Revelate — Thu, 01 Mar 2012 14:54:04 GMT

@Anonymous wrote:
@LS2982 wrote:
@bichonmom wrote:
Definitely not a HP, but I do believe it's a soft. I think it's a "PR" soft vs. an "AR" soft. So, they don't get your entire report, but they get enough data to give them an idea of what you might qualify for.

I am opted out and repeatedly tried their pre-approval site and it never worked for me, so I do believe they are checking your credit report to some degree.

I've checked my EX softs a few days after doing the prequalifier with AMEX and nothing shows up.
Hi LS2982,

How do you see your EXP credit report softs as I belong to Experian Credit Tracker and only shows hard inquiries? Which credit report monitoring service if I may ask?
Thanks!

There may be other ways, but the EX report from annual credit report absolutely shows soft inquiries.