topic Re: Who does BOA and Amex soft pull from? in Credit Cards

Who does BOA and Amex soft pull from?

Anonymous — Thu, 24 Apr 2008 21:06:55 GMT

Hi. I'm wondering from what credit bureau does BOA and Amex do the soft pulls from? I'm asking this because if done a few of those pre-qualified applications for a credit card on their site but I don't see any of them reporting in my credit report.

On the other hand when I try the pre-qualifying option on HSBC it posts on my Experian report right away as a soft pull.

Thanks for your help

Message Edited by Bishop on 04-24-2008 02:06 PM

Re: Who does BOA and Amex soft pull from?

Anonymous — Thu, 24 Apr 2008 21:07:32 GMT

Pre-qualified are soft pulls only, so u will not see the inq's. BOA EQ on me and I am in TX, but that was almost a year ago. AmEx is strictly EX.

Re: Who does BOA and Amex soft pull from?

Anonymous — Thu, 24 Apr 2008 21:12:04 GMT

Thanks! I'm actually seeing the report straight from the credit bureau so I do see all the soft pulls. HSBC is the only one that I see a soft pull from, I just haven't seen any soft pull from BOA or Amex on any of the 3 credit agencies.

It's not that I'm really looking for credit from these companies, my credit is new, I just like to try it from time to time to see if they offer anything at one point. But I found it odd that neither soft pull shows up on my report besides HSBC.

Re: Who does BOA and Amex soft pull from?

Anonymous — Thu, 24 Apr 2008 21:28:24 GMT

Oh ok. Got it.