topic Re: 61st Day AMEX CLI - Soft pull question in Credit Cards

61st Day AMEX CLI - Soft pull question

Duncanrr — Mon, 29 Oct 2012 18:42:40 GMT

While I was reviewing my Experian report I noted that AMEX soft pulled me on Oct 18. This CR Score would much lower than my normal score as I had a temporary bump in UTIL that dropped my scores 30 pts. Well this has been corrected and by Nov 4th this should be back to normal on CR. On Nov 23rd Im eligible for 61st day CLI. If AMEX hasn't soft pulled me again between Nov 4th and the 23rd would my CLI be subject to the out of date Oct 18 pull?

Re: 61st Day AMEX CLI - Soft pull question

djrez4 — Mon, 29 Oct 2012 18:45:29 GMT

That will be the only information that Amex has, so yes, they'll base it off of that pull. I'm not sure if you can request that they soft you again. It may just be best to wait until you see a new account review pull before applying for the CLI.

Re: 61st Day AMEX CLI - Soft pull question

emptypockets — Mon, 29 Oct 2012 18:45:51 GMT

Probably so. Most people report that when they ask for a CLI, the CR used is approx a month or so old.

Re: 61st Day AMEX CLI - Soft pull question

Duncanrr — Mon, 29 Oct 2012 18:49:16 GMT

Ok. If my CR doesnt show another SP from AMEX after the 4th then I should wait for CLI until it has been pulled?

Re: 61st Day AMEX CLI - Soft pull question

injustifiiable — Mon, 29 Oct 2012 18:52:48 GMT

@Duncanrr wrote:
Ok. If my CR doesnt show another SP from AMEX after the 4th then I should wait for CLI until it has been pulled?

Yes....wait until you see a new AR pull before going for that CLI...

Re: 61st Day AMEX CLI - Soft pull question

Anonymous — Mon, 29 Oct 2012 19:00:14 GMT

Do your best to get that report looking great for them on the next SP.

Sorry you have to wait a little longer.

Re: 61st Day AMEX CLI - Soft pull question

Duncanrr — Mon, 29 Oct 2012 19:20:01 GMT

@Anonymous wrote:
Do your best to get that report looking great for them on the next SP.

Sorry you have to wait a little longer.

I still have time. Not due for CLI request for another 3 weeks or so. The last SP was Oct 18 so I guess they would pulled again around that point. My report is basically fixed now. I regained 20 of the lost 30 points on EQ and will get the rest by week's end.

Re: 61st Day AMEX CLI - Soft pull question

djrez4 — Mon, 29 Oct 2012 19:40:20 GMT

They ARed me on the 18th as well. Before that, it was 9/4 and 8/16. I was planning on asking them to reconsider my 61-day CLI denial through executive customer service. I'll see if they can force a new AR.

Re: 61st Day AMEX CLI - Soft pull question

djrez4 — Mon, 29 Oct 2012 19:59:53 GMT

I just talked to Keith in the exec office. He's going to call someone to see if they can override the system and pull a new account review. We had a pleasant conversation about the mistake of going to Costco when you're hungry and he said he'd advocate for me to see what they could get done. I'll report back.

Re: 61st Day AMEX CLI - Soft pull question

Anonymous — Mon, 29 Oct 2012 19:59:06 GMT

Good luck

Re: 61st Day AMEX CLI - Soft pull question

youngandcreditwrthy — Mon, 29 Oct 2012 21:35:53 GMT

wow.. this was a great question... Ive noticed that all of the lenders are starting to base clis off of sps. They used to not do that :-(

Meh, guess I better make sure all of my balances are properly reporting for Amex soft pulling me LOL if I want that 3xcli.

How are you able to see that they are softing you, and what report(s) do they typically do the sps??

lol

Re: 61st Day AMEX CLI - Soft pull question

djrez4 — Mon, 29 Oct 2012 21:51:34 GMT

Amex always softs Experian for me. My understanding is that it's their favorite CRA. Some credit monitoring services will show soft inquiries. I only see mine right now because I still have access to the results of a recent dispute.

Re: 61st Day AMEX CLI - Soft pull question

Cdnewmanpac — Mon, 29 Oct 2012 23:55:10 GMT

are you checking all three? amex always hard pulls exp for me, has softed exp once in 7 most, but softs tu every month on the 28th. so they don't just pull from one. I am pretty sure they used tu to approve me for my Hilton surpass and for my cli, even if after approval they pulled exp.

Re: 61st Day AMEX CLI - Soft pull question

Duncanrr — Tue, 30 Oct 2012 00:01:44 GMT

no. I need to check my TU report. I'll wait a little longer and pull after new UTIL updates.

Re: 61st Day AMEX CLI - Soft pull question

youngandcreditwrthy — Tue, 30 Oct 2012 01:09:57 GMT

Hmmm welll Amex based my approval on TU, so perhaps that is indicative of their future soft pulling habits. I was just recently denied a cli on a GECRB account. That means I can get a copy of my TU report for free (within 60 days) LOL. I love the CARD Act for that!! Haha