topic Re: American Express Delta pulled all 3?! in Credit Cards

American Express Delta pulled all 3?!

Anonymous — Wed, 10 Apr 2013 15:19:33 GMT

Thought I would check my chances of getting a Delta Card, odd part is I just looked at my credit monitoring thru USAA and looks like they pulled all 3 of my reports

Also I can not yet pull up the status letter, I keep getting a system error.....but how common is it they pull all 3?

Re: American Express Delta pulled all 3?!

youngandcreditwrthy — Wed, 10 Apr 2013 15:20:15 GMT

It's common for borderline approvals.
They pulled all three for me

Re: American Express Delta pulled all 3?!

myjourney — Wed, 10 Apr 2013 15:20:58 GMT

@youngandcreditwrthy wrote:
It's common for borderline approvals.
They pulled all three for me

+1 give them a call

Re: American Express Delta pulled all 3?!

Anonymous — Wed, 10 Apr 2013 15:33:46 GMT

@myjourney wrote:
@youngandcreditwrthy wrote:
It's common for borderline approvals.
They pulled all three for me
+1 give them a call

Thanks is there a good number to call?

Re: American Express Delta pulled all 3?!

dodfire — Wed, 10 Apr 2013 15:38:25 GMT

Status of application number 866-314-0237

They also pulled all 3 on me with my first two cards with them....on my 3rd card they only pulled EX.

Re: American Express Delta pulled all 3?!

Anonymous — Wed, 10 Apr 2013 15:47:29 GMT

@Anonymous wrote:
Thought I would check my chances of getting a Delta Card, odd part is I just looked at my credit monitoring thru USAA and looks like they pulled all 3 of my reports

Also I can not yet pull up the status letter, I keep getting a system error.....but how common is it they pull all 3?

They hit all 3 of mine here in Va too..... Of all the cards that I have, they are the only ones to ever pull all three for me..

Re: American Express Delta pulled all 3?!

HiLine — Wed, 10 Apr 2013 16:12:06 GMT

@Anonymous wrote:
Thought I would check my chances of getting a Delta Card, odd part is I just looked at my credit monitoring thru USAA and looks like they pulled all 3 of my reports

Also I can not yet pull up the status letter, I keep getting a system error.....but how common is it they pull all 3?

Very common for your first Amex application.

Re: American Express Delta pulled all 3?!

Epcot — Wed, 10 Apr 2013 23:03:06 GMT

Hope you get it! Keep us posted.

Re: American Express Delta pulled all 3?!

youngandcreditwrthy — Thu, 11 Apr 2013 13:10:37 GMT

Hope you get approved!

Re: American Express Delta pulled all 3?!

Anonymous — Thu, 11 Apr 2013 14:23:23 GMT

They pulled all 3 for me too

Re: American Express Delta pulled all 3?!

shakalaka — Thu, 11 Apr 2013 14:27:50 GMT

Same here for my first one. The additional was EX only.

Hope you get approved.

Re: American Express Delta pulled all 3?!

Anonymous — Thu, 11 Apr 2013 14:29:42 GMT

Thanks everyone I was declined but waiting for the letter as theres a system error when I try to pull it up online, when I get the letter than I can address things, I do not mind waiting

Re: American Express Delta pulled all 3?!

bluesnowman — Thu, 11 Apr 2013 14:31:59 GMT

When I applied for the PRG last November, they pulled all 3 for me. I was reading on another forum that if your history is less then one year old or you are a borderline approval, they will pull all 3.

Re: American Express Delta pulled all 3?!

devastatah — Sun, 08 Sep 2013 03:29:00 GMT

I can say the same, though I got an instant approval for the gold skymiles card they did go 3 for 3 on me via USAA monitoring service. I apped for Navy Fed NavCheck and was approved as well so hopefully I don't get punished for that. 10K initial line for Am Ex

Re: American Express Delta pulled all 3?!

Brusilov — Sun, 08 Sep 2013 04:13:55 GMT

I was denied with 1 pull to EX earlier this year. When I was approved last month they pulled all 3 for me as well (FICOs in the 690-720 range).

Re: American Express Delta pulled all 3?!

wHiTeSoL — Sun, 08 Sep 2013 06:54:56 GMT

Be glad they only pulled 3 for you guys, for my Delta Gold they pulled 4 (times). Long story.

Re: American Express Delta pulled all 3?!

Anonymous — Sun, 08 Sep 2013 11:39:39 GMT

At least you got in with AMEX. Could've been a different story with Cap One...

Re: American Express Delta pulled all 3?!

Anonymous — Sun, 08 Sep 2013 15:02:48 GMT

It seems it should be much more common for everyone to pull all three. I assume most have found that the incremental cost isn't worth it (you catch X% of the bad cases from just one report or something). But it still seems strange, a small gamble by the issuer that there isn't bad info (or just lots of inqs) on one of the unpulled reports.

Re: American Express Delta pulled all 3?!

SnackTrader — Sun, 08 Sep 2013 15:17:49 GMT

Yes, perhaps it should be more common. But I also wonder if the negative point of view of the customer is taken into consideration. With our subset of the population a triple pull is frowned upon, so take that for what you will. The other aspect might have to do with credit bureau contracts where an issuer signs deals with certain bureaus to provide analytical services. It would be difficult and expensive to get the same service from a second or third bureau at the same time. I don't know all the details here, but this must be part of the equation.

Re: American Express Delta pulled all 3?!

youngandcreditwrthy — Sun, 08 Sep 2013 17:53:50 GMT

I was approved for my first Amex via triple pull. Since then, they are 100% exclusive to softing Experian and appoved my second acct with a hp on Exp.