topic Re: chase/amex which experian do they pull in Credit Cards

chase/amex which experian do they pull

mongstradamus — Wed, 25 Sep 2013 01:52:58 GMT

Chase and Amex pull experian from what i have been reading, but what i don't know is which experian do they use. Is it the one thats sold here or do they use their own version ? Just trying to figure out what my next step should be more gardening or give it an go for those cards , which i want to apply for eventually.

Re: chase/amex which experian do they pull

Anonymous — Wed, 25 Sep 2013 01:55:52 GMT

Chase has their own internal scoring models, and Amex has their own internal risk model. They seem to use fico scores in combination with their own scoring system.

Re: chase/amex which experian do they pull

mongstradamus — Wed, 25 Sep 2013 02:02:31 GMT

@Anonymous wrote:
Chase has their own internal scoring models, and Amex has their own internal risk model. They seem to use fico scores in combination with their own scoring system.

which fico score do they use in combination with their internal systems, is it known which they use? Am curious if i pull fico here and its decent will it coincide with the one they use in combo with their internal

Re: chase/amex which experian do they pull

Anonymous — Wed, 25 Sep 2013 02:18:56 GMT

@mongstradamus wrote:
@Anonymous wrote:
Chase has their own internal scoring models, and Amex has their own internal risk model. They seem to use fico scores in combination with their own scoring system.
which fico score do they use in combination with their internal systems, is it known which they use? Am curious if i pull fico here and its decent will it coincide with the one they use in combo with their internal

I am not too sure.
Experian has the standard FICO, auto enhanced FICO, credit card enhanced FICO (and possibly other versions for mortgage, etc).

My guess is that they will pull either standard FICO (which is what you will see on this site) or credit card enhanced FICO.

Re: chase/amex which experian do they pull

fused — Wed, 25 Sep 2013 02:29:51 GMT

Amex is currently using the EX FICO 08 score, the same score you puchase at this site.

Re: chase/amex which experian do they pull

BearsAndTurtlesRtheBest — Wed, 25 Sep 2013 02:44:15 GMT

+1 my DS applid for AMEX a couple months ago and was denied but once she received the letter the score matched the one on here.

Re: chase/amex which experian do they pull

Transmogrifying_Bee — Sun, 29 Sep 2013 03:54:59 GMT

AMEX credit particulars when I received my BCE cc last Spring:

FICO score: 802 (Experian) (Date: March 19, 2013):

FICO scores range from a low of 350 to a high of 850. (Note the "350" instead of usual FICO "300" low!)

Re: chase/amex which experian do they pull

mongstradamus — Wed, 25 Sep 2013 03:51:42 GMT

Thank you for that information ,guess I will have to pull again when I think everything is ready still waiting for wf to report thought they reported already ,but was only updated balance

Re: chase/amex which experian do they pull

Anonymous — Wed, 25 Sep 2013 04:18:03 GMT

You can try using some free services or some service that allows for daily / weekly pulls at no extra charge. That way you won't have to fork out money each time round just to see if your report has updated.

Re: chase/amex which experian do they pull

mongstradamus — Wed, 25 Sep 2013 04:22:58 GMT

Well I have usaa with daily pulls but they only give fako scores ,wish they were closer to my fico scores. Unfortunately my fico scores is much lower . Still don't really understand why.states I don't have enough accounts in good standing , but according to credit report I have 10 accounts shown as in good standing ,so utterly confused

Re: chase/amex which experian do they pull

Anonymous — Wed, 25 Sep 2013 04:27:48 GMT

Don't worry so much about your score or the reasons it's quoting you. Just focus on whatever is in your CR instead. Get utilization down, try to have derogs removed, etc. The scores are just secondary.

Re: chase/amex which experian do they pull

mongstradamus — Wed, 25 Sep 2013 04:33:06 GMT

Well I do have one paid charge off from 2007 from capital one.they seem to be quite the tough company to GW. Everything else is semi clean utilization is at 3%.only one card is reporting balance,everything else is reporting zero. I have got chase and discover it preapproval so I thought my CR was in good shape.just unsure about Amex would like to get an bcp sometime this year

Re: chase/amex which experian do they pull

Anonymous — Wed, 25 Sep 2013 04:35:04 GMT

I honestly think you are going to be okay, assuming you haven't added a lot of new accounts and/or inquiries recently.

Re: chase/amex which experian do they pull

mongstradamus — Wed, 25 Sep 2013 04:41:09 GMT

Well that is where there may be an problem 3 inquiries on experian two new accounts showing,but I thought I would be okay with AAoA of 8+years.the thing is equifax is showing same information actually equifax shows higher utilization,but fico score from my fico with equifax is 65 points higher

Re: chase/amex which experian do they pull

Anonymous — Wed, 25 Sep 2013 04:41:46 GMT

How new are the accounts and inquiries?

Re: chase/amex which experian do they pull

mongstradamus — Wed, 25 Sep 2013 04:47:26 GMT

Within last few months near beginning of summer . The most confusing aspect is how much higher my equifax fico scores are compared to experian .i am starting to wonder if experian doesn't take into account my au accounts or something weird like that

Re: chase/amex which experian do they pull

azguy13 — Wed, 25 Sep 2013 08:17:44 GMT

With all my Chase cards, the score that was shown was always about 4 points higher than the FICO shown on here.