topic Re: Amex ARs for Feb in Credit Cards

Amex ARs for Feb

Anonymous — Tue, 26 Feb 2008 22:37:18 GMT

I was getting softed by Amex about once a week. When I pull my EX report (thanks for the orig CLI denial Target), I notice that they haven't peeked once in February. I know we've been discussing that our Amex cards aren't reporting promptly, but has anyone else noticed them not softing for their normal ARs?

Just curious --

-ppppppppp's

Re: Amex ARs for Feb

Anonymous — Tue, 26 Feb 2008 23:41:07 GMT

I get a soft after every alert I get-

13th was the last one-

WhirledPeasPlease wrote:

I was getting softed by Amex about once a week. When I pull my EX report (thanks for the orig CLI denial Target), I notice that they haven't peeked once in February. I know we've been discussing that our Amex cards aren't reporting promptly, but has anyone else noticed them not softing for their normal ARs?

Just curious --

-ppppppppp's

Re: Amex ARs for Feb

Anonymous — Tue, 26 Feb 2008 23:43:31 GMT

Timothy wrote:
I get a soft after every alert I get-
13th was the last one-

Me too. Delta CCU pulled EQ on 2/10 for membership, Amex softed EX on 2/11.

Hopefully they notice I'm up about 70 points on EX since I got the card four months ago.

Message Edited by cheddar on 02-26-2008 03:43 PM

Re: Amex ARs for Feb

fused — Wed, 27 Feb 2008 02:50:40 GMT

They are watching me! Three softies this month with two on the same day. All three from their El Paso, TX office with the same telephone number.

Soft pulls:

Feb 11 Amex AR

Feb 23 Amex Company (maybe a product offer but I doubt it)

Re: Amex ARs for Feb

haulingthescoreup — Wed, 27 Feb 2008 03:38:38 GMT

I haven't been softed by Amex in several years. I am not worthy of their notice...

Re: Amex ARs for Feb

fused — Wed, 27 Feb 2008 03:43:30 GMT

haulingthescoreup wrote:
I haven't been softed by Amex in several years. I am not worthy of their notice...

Hey smarty, you don't have an Amex account. So how can they soft you?

Re: Amex ARs for Feb

haulingthescoreup — Wed, 27 Feb 2008 03:47:38 GMT

@fused wrote:
@haulingthescoreup wrote:
I haven't been softed by Amex in several years. I am not worthy of their notice...
Hey smarty, you don't have an Amex account. So how can they soft you?

Hey, sweetie, they could do a PR softie! The EX score ought to catch their attention, but obviously the lates kick me out.

Ain't gonna happen until the lates ripen, like fine Camembert cheese...

Re: Amex ARs for Feb

Anonymous — Wed, 27 Feb 2008 05:45:36 GMT

haulingthescoreup wrote:
Ain't gonna happen until the lates ripen, like fine Camembert cheese...

MMmmmmm... cheese!

I have less than 50 bucks on my Mini-Amex as of the past 2 weeks or so (will be zero by fri), perhaps they're not freaked out by me anymore. I'll keep checking my softs, just as I'm sure they are keeping an eye on me, somehow, someway.

Re: Amex ARs for Feb

Anonymous — Wed, 27 Feb 2008 06:52:39 GMT

Amex has softed me every single day since I got the card on 11/1/2007. sometime 2 times per day. I'm in the middle of an F/R since Monday and they still soft me everyday

Re: Amex ARs for Feb

Anonymous — Wed, 27 Feb 2008 07:07:19 GMT

l9ikjam wrote:
Amex has softed me every single day since I got the card on 11/1/2007. sometime 2 times per day. I'm in the middle of an F/R since Monday and they still soft me everyday

Good point. I'm not going to poke the sleeping giant!

Re: Amex ARs for Feb

Anonymous — Wed, 27 Feb 2008 12:29:54 GMT

I subscribe to Experian Credit Manager and cannot see soft pulls using that program. How are you accessing Experian credit reports that allows you to see soft pulls?

Re: Amex ARs for Feb

MidnightVoice — Wed, 27 Feb 2008 13:34:50 GMT

Hard pull to get card in December, one soft in January, two so far in February.

And my EX score has gone up 50 points since I got the card - early Collection drop off

Re: Amex ARs for Feb

Anonymous — Wed, 27 Feb 2008 14:34:08 GMT

ChemGuy wrote:
I subscribe to Experian Credit Manager and cannot see soft pulls using that program. How are you accessing Experian credit reports that allows you to see soft pulls?

Once you have a current report from EX, on EX's website, click the link that says you want to initiate a dispute. You'll be taken to a page that asks you to verify address info, and after that you'll see a page with links to all your current reports info. If you click the link that says something like "View requests to see your credit report" (something like that anyway), you'll see all the INQs on the report, including softs.

Re: Amex ARs for Feb

Anonymous — Wed, 27 Feb 2008 15:07:30 GMT

cheddar wrote:

ChemGuy wrote:
I subscribe to Experian Credit Manager and cannot see soft pulls using that program. How are you accessing Experian credit reports that allows you to see soft pulls?

Once you have a current report from EX, on EX's website, click the link that says you want to initiate a dispute. You'll be taken to a page that asks you to verify address info, and after that you'll see a page with links to all your current reports info. If you click the link that says something like "View requests to see your credit report" (something like that anyway), you'll see all the INQs on the report, including softs.

Thanks Cheddar. You really are a Super Contributor!

Re: Amex ARs for Feb

Red1Blue — Wed, 27 Feb 2008 16:11:25 GMT

I have checked my CreditSecure. They did one AR on Feb 13th after I got my cards in Dec/Jan. I am not sure if there is any reason why that date. Nothing happend on my CR around that time.

Re: Amex ARs for Feb

Anonymous — Wed, 27 Feb 2008 16:23:01 GMT

ChemGuy wrote:

cheddar wrote:

ChemGuy wrote:
I subscribe to Experian Credit Manager and cannot see soft pulls using that program. How are you accessing Experian credit reports that allows you to see soft pulls?

Once you have a current report from EX, on EX's website, click the link that says you want to initiate a dispute. You'll be taken to a page that asks you to verify address info, and after that you'll see a page with links to all your current reports info. If you click the link that says something like "View requests to see your credit report" (something like that anyway), you'll see all the INQs on the report, including softs.

Thanks Cheddar. You really are a Super Contributor!

Chem --

I kept the report number from my denial for CLI from Target. I'm not sure how long I can pull with that report number (maybe 90 days or so?). I've used Cheddar's method to pull TU softs via TC dispute, but not with EX. (Sorry I didn't get back to you earlier!)

PPP

Re: Amex ARs for Feb

Anonymous — Wed, 27 Feb 2008 17:32:41 GMT

I was able to use Cheddar's method without a problem. However, how do you use the dispute functionality in TC? That is a program that is definitely not very direct; however, I do like it because you can lock your credit!

Re: Amex ARs for Feb

Marvintran — Wed, 27 Feb 2008 18:24:49 GMT

Hi all

Interesting I have CS through Amex and I dont See that Link

Or do you have to go to the Experian Web site?

Re: Amex ARs for Feb

Anonymous — Wed, 27 Feb 2008 19:02:06 GMT

Marvintran wrote:
Hi all

Interesting I have CS through Amex and I dont See that Link

Or do you have to go to the Experian Web site?

Log into CS.

Click "View my current report."

Click "Dispute Information."

Click "Experian Online Dispute."

Verify your address info and click "Submit."

Click "Check the recent requests for your credit history."

Voila! There are all your inquiries, hard and soft.

Re: Amex ARs for Feb

Anonymous — Wed, 27 Feb 2008 20:24:26 GMT

https://www.experian.com/consumer/cac/InvalidateSession.do?code=DISPUTE

Been working for 8 or 9 months now-