topic Re: AMEX CLI - do they pull CR? in Credit Cards

AMEX CLI - do they pull CR?

Anonymous — Mon, 27 Aug 2007 19:53:33 GMT

I just got an amex delta gold on 08/11. I got it with a $1,000 CL. At the time, EX was 631 - which is what they pulled. Upon activation, I hit the luv button requesting an increase. Was told 7-10 days which I am sure is a denial. I then called amex and they said the new policy is you have to have the card for at least 30 days to request a CLI.

Now, my EX is 609 due to a new collection. When you request a CLI with amex, do they pull your credit again?

Re: AMEX CLI - do they pull CR?

Anonymous — Mon, 27 Aug 2007 21:27:36 GMT

They don't pull specifically for a CLI. They pull a soft pretty much every month for an AR. They use your history and the data from the AR to determine CLIs.

Re: AMEX CLI - do they pull CR?

Anonymous — Tue, 18 Sep 2007 17:49:23 GMT

overwhelmed wrote:
I just got an amex delta gold on 08/11. I got it with a $1,000 CL. At the time, EX was 631 - which is what they pulled. Upon activation, I hit the luv button requesting an increase. Was told 7-10 days which I am sure is a denial. I then called amex and they said the new policy is you have to have the card for at least 30 days to request a CLI.

Now, my EX is 609 due to a new collection. When you request a CLI with amex, do they pull your credit again?

I just got the 7-10 day response too. What was the outcome of yours...did it cost you a hard pull?

Re: AMEX CLI - do they pull CR?

dangphuocloc72 — Tue, 18 Sep 2007 19:34:11 GMT

overwhelmed wrote:

Now, my EX is 609 due to a new collection. When you request a CLI with amex, do they pull your credit again?

MY CR :

on may 2007 my Score went up to 690 , June 2007 add new collection my Score went down 620 , I Call them and PIF and try PFD they ok , My score went up 657 after I paid collection , they Report account PIF , ( The collection they lier , they don't remove out of my CR ) , I dispute to CRA account not mind , then they remove out of my CR . I don't know how about your CR , but if you want your Score go up again better pay for them . My Score now EX 677 . hope no more collection add .

If Amex pull your credit again they mind close your account . because new collection add to your CR . good luck

Message Edited by dangphuocloc72 on 09-18-2007 12:34 PM

Re: AMEX CLI - do they pull CR?

Anonymous — Tue, 18 Sep 2007 20:24:28 GMT

Why in the world are you applying for credit cards if you have new collection coming in your report???