topic Re: What CR does AMEX pull from? (California) in Credit Cards

What CR does AMEX pull from? (California)

breakdown1987 — Mon, 23 Jul 2012 07:47:20 GMT

I'm going to APP for the Zync this week. Scores are 738, 728, and Transunion is reporting 657 from USAA. I've been waiting for TU to update and drop a reinstated repossession from my account. They are so SLOW! I just put another request in from the bank because I've been waiting three months without an update.They said they would send another request and check again in 45 days. My FICO shows Equifax @ 751 and TU @ 674.

I'm from California and I've been waiting to APP for the ZYNC. I believe my scores are good enough. No lates, AAoA 2.5 years. I'm 24 and have a steady income of 65k per year.Two CC's. One Student with 1k and 1 secured with BoA with a 400 limit. Utlization is below 5%.

My question. What has AMEX been pulling lately or what CR do they pull from? Obviously I will go for it if they pull EQ or EX but if they are going to pull TU, I won't waste a hard pull.

Re: What CR does AMEX pull from? (California)

-Cain- — Mon, 23 Jul 2012 07:52:02 GMT

An app for charge card is an EX pull most of the time. For a credit card, they will sometimes pull an additional bureau along with EX. Good luck!

Re: What CR does AMEX pull from? (California)

Anonymous — Mon, 23 Jul 2012 07:52:25 GMT

ive never known them to pull nothing but ex for the zync

Re: What CR does AMEX pull from? (California)

webhopper — Mon, 23 Jul 2012 15:47:57 GMT

Your income is good, so I would go ahead and app for Zync... Once you're approved for Zync, you can app for one of their revolvers and if declined it should be a soft pull. I would think you would be a good candidate for both, as long as your EX report is similar to your EQ report.

Re: What CR does AMEX pull from? (California)

trumpet-205 — Mon, 23 Jul 2012 16:33:10 GMT

AMEX pulls EX first. If your CR is borderline AMEX will also pull EQ and TU.

Re: What CR does AMEX pull from? (California)

Imhotrodcrazy — Mon, 23 Jul 2012 17:24:22 GMT

I am in So Cal and they pulled EX for me.

Re: What CR does AMEX pull from? (California)

Quips — Mon, 23 Jul 2012 17:52:36 GMT

I just applied for the BCP last week and they pulled EX only. I live near DC.

Re: What CR does AMEX pull from? (California)

kobe2012 — Mon, 23 Jul 2012 17:59:37 GMT

I applied twice this year and been denied ... they pulled EX in CA

Re: What CR does AMEX pull from? (California)

breakdown1987 — Tue, 24 Jul 2012 05:54:04 GMT

Well I applied. I need to call in tomorrow during business hours. I applied for the Zync. I also received an e-mail stating I just need to verify my employers phone# and home address.

If I DO get approved. When I call and speak with the CSR do I just tell her I'm also interested in the BCE and see if she can look @ my CR and see if I will get approved? Sorry I've never done this before.

Re: What CR does AMEX pull from? (California)

Open123 — Tue, 24 Jul 2012 06:37:50 GMT

In CA, they always pull Ex for me.

Re: What CR does AMEX pull from? (California)

j_casteel — Tue, 24 Jul 2012 11:41:54 GMT

I've only ever had them pull EX

Re: What CR does AMEX pull from? (California)

breakdown1987 — Tue, 24 Jul 2012 19:27:33 GMT

I was approved! If I want to app for a bce would I just call a car and ask?

Re: What CR does AMEX pull from? (California)

trumpet-205 — Tue, 24 Jul 2012 19:29:32 GMT

Did you app today? If so then app BCE as well. Two apps on the same day only use one HP.