topic Re: Amex pulling TransUnion? in Credit Cards

Amex pulling TransUnion? [UPDATE]

nickn86 — Fri, 18 Jan 2013 04:11:13 GMT

Had a hard inquiry show up today on CK for my PRG app last night. Does this mean Amex triple-pulled me? Or do they ever only pull one bureau that isn't Experian?

Update: See latest post on 2nd page. They only pulled TU.

Re: Amex pulling TransUnion?

youngandcreditwrthy — Tue, 08 Jan 2013 19:25:06 GMT

I got triple pulled for my BCE

and they based my approval on a TU pull, My fico was 696 on TU and I got approved for a BCE with a $3500 limit!!!!

Good luck!

Re: Amex pulling TransUnion?

pizzadude — Tue, 08 Jan 2013 19:33:06 GMT

They will occasionally revert to pulling another CRA than Experian ~ no idea why though. Or they might have triple pulled you. You'll have to check your reports to know for certain.

Re: Amex pulling TransUnion?

nickn86 — Tue, 08 Jan 2013 22:46:17 GMT

Pulled my Equifax report (only one I have left from annualcreditreport.com) and no inquiry. Now I'm curious if they pulled Experian, but probably not curious enough to pay for a credit report/do the annoying cancel-by-phone trials.

Re: Amex pulling TransUnion?

djrez4 — Tue, 08 Jan 2013 22:50:50 GMT

If you haven't already, you can sign up for either CreditSesame or Credit.com monitoring. Both check Experian and both are free.

Re: Amex pulling TransUnion?

youngandcreditwrthy — Tue, 08 Jan 2013 22:52:08 GMT

Amex likes to play games.

Theyll triple pull... approve you on one report TU... then soft Exp like crazy for the 61day 3xcli...

In your case, they may have just singularly pulled TU... I bet you can get an EXP report for free....

You get a free report any time you are denied... it has to be the report used for denial though... search around on the EXP site and find out how to get a report for being denied.. I bet you can get it !

:-)

Re: Amex pulling TransUnion?

nickn86 — Tue, 08 Jan 2013 22:53:02 GMT

Unfortunately I have (Quizzle too!). I'll have to wait for those to update.

EDIT: I was approved for the card, and since charge cards have no APR rates, I doubt they'll send me my score.

Re: Amex pulling TransUnion?

youngandcreditwrthy — Tue, 08 Jan 2013 23:36:25 GMT

Congrats!!!!

Re: Amex pulling TransUnion?

bigman023 — Wed, 09 Jan 2013 00:39:29 GMT

Just so Im clear, AMEX is ALWAYS a SP if denied, correct?

If denied, how long before you can reapply?

Re: Amex pulling TransUnion?

creditnocash — Wed, 09 Jan 2013 00:36:24 GMT

@bigman023 wrote:
Just so Im clear, AMEX is ALWAYS a SP id denied, correct?

If denied, how long before you can reapply?

99.9% of the time if your already a member it will be a soft.

if your blacklisted they wont even soft you.

if your not a member (currently have cards open with them) it will result in a hard pull.

Re: Amex pulling TransUnion?

pizzadude — Wed, 09 Jan 2013 15:35:42 GMT

@bigman023 wrote:

If denied, how long before you can reapply?

You must wait 30 days from a denial before applying again. If you app before the 30 days, your application will be cancelled.

Re: Amex pulling TransUnion?

nickn86 — Fri, 18 Jan 2013 04:09:07 GMT

So just pulled my Experian, no inquiry from Amex. Meaning they only pulled TransUnion (I checked Equifax earlier)

Strange...

Re: Amex pulling TransUnion? [UPDATE]

jake619 — Fri, 18 Jan 2013 05:38:42 GMT

I would have bet the farm on a triple pull. Maybe you have EQ and EX frozen?

Re: Amex pulling TransUnion? [UPDATE]

nickn86 — Fri, 18 Jan 2013 06:32:25 GMT

Nope, not as far as I know.

Approval was also instant. Is approval ever instant on a triple pull?

Maybe Amex is chaning their practices? Or maybe they just had trouble accessing the Ex report for some other reason rather than it being frozen.

Re: Amex pulling TransUnion? [UPDATE]

Anonymous — Fri, 18 Jan 2013 08:02:27 GMT

They pulled EX and TU on my recon..still denied.

Re: Amex pulling TransUnion?

Anonymous — Fri, 18 Jan 2013 08:03:36 GMT

didn't know about Credit Sesame...thanks

Re: Amex pulling TransUnion?

djrez4 — Fri, 18 Jan 2013 12:35:11 GMT

@nickn86 wrote:
So just pulled my Experian, no inquiry from Amex. Meaning they only pulled TransUnion (I checked Equifax earlier)

Strange...

Did you apply directly through the Amex website? Through another website?

Re: Amex pulling TransUnion? [UPDATE]

youngandcreditwrthy — Fri, 18 Jan 2013 14:45:23 GMT

My TU approval was instant! Had to do addy verification though!

Re: Amex pulling TransUnion? [UPDATE]

NewbieReed — Fri, 18 Jan 2013 14:48:37 GMT

@youngandcreditwrthy wrote:
My TU approval was instant! Had to do addy verification though!

Where do u live ? Do they pull diff CR in different states?

Re: Amex pulling TransUnion? [UPDATE]

jake619 — Fri, 18 Jan 2013 15:29:12 GMT

@nickn86 wrote:
Nope, not as far as I know.

Approval was also instant. Is approval ever instant on a triple pull?

Maybe Amex is chaning their practices? Or maybe they just had trouble accessing the Ex report for some other reason rather than it being frozen.

Kind of. My triple pull landed me at TU. I have verified EQ & EX were hit, too. Initially I got the 7-10 day notice but then about a minute later I went to the status check URL and I was approved. So I'd classify that as quasi-instant. If I hadn't known about the check page I'd have probably apped for something else thinking the 7-10 day notice would end up bad for me.