topic Re: The SP's have begun! (Amex finally updated :) ) in Credit Cards

The SP's have begun! (Amex finally updated :) )

Duncanrr — Sun, 16 Dec 2012 06:00:04 GMT

Well after AMEX hadn't SP'd me since Oct 18, I had decided to 3xCLI around 11/23. Instant approval. Decided to check my SP's tonight and lookie lookie they finally updated their SP. Also I have a sleu of other SP's. (I just received an invitation to app for a Cap1 card after their SP. Wonder what Chase will send my way?) Also, FNB Omaha had send me a pre-approval back in Nov. Guess they are still interested in me as they SP'd me again at the end of the month.

•	WELLS FARGO BANK	Date: December 3, 2012
•	AMERICAN EXPRESS 2	Date: November 30, 2012
•	FNB OMAHA	Date: November 29, 2012, November 2, 2012
•	CHASE	Date: November 21, 2012
•	CAPITAL ONE	Date: November 17, 2012

Re: The SP's have begun! (Amex finally updated :) )

Involus — Sun, 16 Dec 2012 06:11:50 GMT

How do you check these? I would like to - so I can spy when Amex is softing me for 61day 3x.

Re: The SP's have begun! (Amex finally updated :) )

Anonymous — Sun, 16 Dec 2012 06:19:39 GMT

Ditto. Inquiring minds want to know...my Amex CreditSecure and CreditKarma reports sure don't mention the SPs......

Re: The SP's have begun! (Amex finally updated :) )

bichonmom — Sun, 16 Dec 2012 06:21:24 GMT

@Duncanrr wrote:
Well after AMEX hadn't SP'd me since Oct 18, I had decided to 3xCLI around 11/23. Instant approval. Decided to check my SP's tonight and lookie lookie they finally updated their SP. Also I have a sleu of other SP's. (I just received an invitation to app for a Cap1 card after their SP. Wonder what Chase will send my way?) Also, FNB Omaha had send me a pre-approval back in Nov. Guess they are still interested in me as they SP'd me again at the end of the month.

• WELLS FARGO BANK
Date: December 3, 2012
• AMERICAN EXPRESS 2
Date: November 30, 2012
• FNB OMAHA
Date: November 29, 2012, November 2, 2012
• CHASE
Date: November 21, 2012
• CAPITAL ONE
Date: November 17, 2012

Do you have CCs with all of these banks? Cap One STILL softs me even though I closed my CCs w/them earlier this year. I've read posts where they willl soft you forever if you had an acct w/them in the past. I think there should be some time limit! They really have no business softing you if you're no longer doing business w/them.

Also, the softs should be coded -- AR or PRM, for example. I have opted out, so I don't get the PRM softs anymore. If you have CCs w/these banks, then the softs make sense. But it sounds like you're looking for CC offers.

Re: The SP's have begun! (Amex finally updated :) )

creditnocash — Sun, 16 Dec 2012 06:54:17 GMT

im afraid to look at my sp for tu. ck must have at least 200 pulls on there lol

Re: The SP's have begun! (Amex finally updated :) )

SevenNEW — Sun, 16 Dec 2012 13:38:54 GMT

I would also *love* to know -- I had a very intense year, I expect I am full of them...

(I will pretty soon, though. It's almost time for my Annual Free Credit Report!)

Re: The SP's have begun! (Amex finally updated :) )

dude11 — Sun, 16 Dec 2012 13:56:15 GMT

You have to pull your full credit report to view soft pulls. Haven't heard or seen any other service that allows you to view them.

Re: The SP's have begun! (Amex finally updated :) )

SevenNEW — Sun, 16 Dec 2012 14:02:17 GMT

@dude11 wrote:
You have to pull your full credit report to view soft pulls. Haven't heard or seen any other service that allows you to view them.

Actually, I think some people were able to see SP in one of the services offered by myFico -- hmm, it's been a long time, I may be confused.

Re: The SP's have begun! (Amex finally updated :) )

Repo-ed — Sun, 16 Dec 2012 14:09:02 GMT

No secret guys.

Just purchase your report like the OP has, and you'll see the SPs.

Re: The SP's have begun! (Amex finally updated :) )

SnackTrader — Sun, 16 Dec 2012 15:24:19 GMT

Or pull a report using annualcreditreport.com...no purchase necessary.

Re: The SP's have begun! (Amex finally updated :) )

Jutz — Sun, 16 Dec 2012 16:00:44 GMT

Are these all on EQ?

Re: The SP's have begun! (Amex finally updated :) )

Anonymous — Sun, 16 Dec 2012 16:02:21 GMT

@Repo-ed wrote:
No secret guys.

Just purchase your report like the OP has, and you'll see the SPs.

They aren't listed on the report I paid for here (myfico).

Re: The SP's have begun! (Amex finally updated :) )

Jutz — Sun, 16 Dec 2012 16:05:47 GMT

@Anonymous wrote:
@Repo-ed wrote:
No secret guys.

Just purchase your report like the OP has, and you'll see the SPs.
They aren't listed on the report I paid for here (myfico).

SPs are not viewable by third parties, thus the point of SPs. Only the CRAs give you the ability to see them, so the report would need to either be purchased directly from each bureau, or pulled from the annual credit report site (Which enables you to pull directly from them)

Re: The SP's have begun! (Amex finally updated :) )

Anonymous — Sun, 16 Dec 2012 16:08:44 GMT

@Jutz wrote:
@Anonymous wrote:
@Repo-ed wrote:
No secret guys.

Just purchase your report like the OP has, and you'll see the SPs.
They aren't listed on the report I paid for here (myfico).
SPs are not viewable by third parties, thus the point of SPs. Only the CRAs give you the ability to see them, so the report would need to either be purchased directly from each bureau, or pulled from the annual credit report site (Which enables you to pull directly from them)

Actually, I just used the dispute link on myfico to go the TU site, and the soft pulls are visible there (including some from after the date I did the myfico purchase, so that's nice!)

Re: The SP's have begun! (Amex finally updated :) )

Duncanrr — Sun, 16 Dec 2012 16:39:19 GMT

These are from EX. I have cards with these banks except Omaha. I forgot to check which version of SP it was. I use Experian's monitoring service and you can get from them directly under dispute item. Im still disputing my old Verizon CO. (Trying a different angle )

At start of new year ill pull copies of all 3 reports directly from each CRA.

Re: The SP's have begun! (Amex finally updated :) )

nicholasyud — Sun, 16 Dec 2012 19:07:35 GMT

@Duncanrr wrote:
These are from EX. I have cards with these banks except Omaha. I forgot to check which version of SP it was. I use Experian's monitoring service and you can get from them directly under dispute item. Im still disputing my old Verizon CO. (Trying a different angle )

At start of new year ill pull copies of all 3 reports directly from each CRA.

Duncar why wouldnt you wanna join credit check total dot com that offer unlimited pull all three credit bureas and its only $10/ months ????? i really enjoy it thou........as a rebuilding process....

Re: The SP's have begun! (Amex finally updated :) )

Duncanrr — Sun, 16 Dec 2012 19:12:03 GMT

I use USAA, Experian, SW and TU Quarterly. Ill be dropping Experian in June after refi. I haven't decided what to do about USAA once my special rate ends.

Re: The SP's have begun! (Amex finally updated :) )

Jutz — Mon, 17 Dec 2012 01:10:05 GMT

Wanna keep me up to date on the Verizon CO? I think we're in a similar spot. Mines 6 yrs old, going to file BBB tomorrow and try that out