topic Re: What does Amex pull when app'ing? in Credit Cards

What does Amex pull when app'ing?

Hcontreras — Mon, 17 Mar 2014 01:06:04 GMT

Does anyone know which CRA's AMEX pulls when apping online? All 3?

Re: What does Amex pull when app'ing?

BigBS — Mon, 17 Mar 2014 01:08:45 GMT

Pulled EX for me last month.

Re: What does Amex pull when app'ing?

Hcontreras — Mon, 17 Mar 2014 01:09:20 GMT

Only that one?

Re: What does Amex pull when app'ing?

fot1 — Mon, 17 Mar 2014 01:10:28 GMT

If you are borderline then they will pull all three.. That was my case atleast.

Re: What does Amex pull when app'ing?

BigBS — Mon, 17 Mar 2014 01:12:51 GMT

@Hcontreras wrote:
Only that one?

That was it for me.

Re: What does Amex pull when app'ing?

-NewGuy- — Mon, 17 Mar 2014 01:13:05 GMT

They will pull EX for sure. If your app isnt a clear approval they can pull the other two.

Re: What does Amex pull when app'ing?

Hcontreras — Mon, 17 Mar 2014 01:13:17 GMT

@fot1 wrote:
If you are borderline then they will pull all three.. That was my case atleast

With my score on my siggy, would I be considered borderline for BCE, BCP, or Blue sky?

Re: What does Amex pull when app'ing?

Anonymous — Mon, 17 Mar 2014 01:16:27 GMT

@Hcontreras wrote:
@fot1 wrote:
If you are borderline then they will pull all three.. That was my case atleast
With my score on my siggy, would I be considered borderline for BCE, BCP, or Blue sky?

I think you will be fine. My Experian score was 721 at the time of my app for the BCP and I was approved for $6,000.

Re: What does Amex pull when app'ing?

Jitdc2 — Mon, 17 Mar 2014 01:17:15 GMT

Scores are only one component of approval, do you have any derogs or negatives of any kind, AAoA, inquires, income etc. Just based on those scores without any other data I think you would be beclined for BCE/BCP, don't know about the Blue Sky thought. You could possibly be approved for Delta Gold Skymiles and PC it to BCE in a year though... Just a thought.

Re: What does Amex pull when app'ing?

fot1 — Mon, 17 Mar 2014 01:17:37 GMT

@Hcontreras wrote:
@fot1 wrote:
If you are borderline then they will pull all three.. That was my case atleast
With my score on my siggy, would I be considered borderline for BCE, BCP, or Blue sky?

I would hold off with those scores. I had 720's and was denied.. I also had a new loan and Freedom card at the time. Personally I would wait till you hit 700 and then look at amex..

Re: What does Amex pull when app'ing?

Jitdc2 — Mon, 17 Mar 2014 01:19:06 GMT

Oh... I didn't see your Experian score. If thats a true FICO not a FAKO then you should fine since they typically pull Experian... they pulled that on both of my Amex peronsal cards.

Re: What does Amex pull when app'ing?

Hcontreras — Mon, 17 Mar 2014 01:21:40 GMT

@Jitdc2 wrote:
Oh... I didn't see your Experian score. If thats a true FICO not a FAKO then you should fine since they typically pull Experian... they pulled that on both of my Amex peronsal cards.

It's a FAKO, but no derogs, no lates....However, my AAoA is at 2 years rights now. 6 inquires on EX right now

Re: What does Amex pull when app'ing?

09Lexie — Mon, 17 Mar 2014 01:21:07 GMT

@Hcontreras wrote:
@fot1 wrote:
If you are borderline then they will pull all three.. That was my case atleast
With my score on my siggy, would I be considered borderline for BCE, BCP, or Blue sky?

As others have stated, score alone is not the only factor. Number of inq's, new tls, AAOA, baddies and income will play apart in your approval.

Also, FreeCreditReport.com is not a true FICO, its a fako

Re: What does Amex pull when app'ing?

fot1 — Mon, 17 Mar 2014 01:21:40 GMT

@Jitdc2 wrote:
Oh... I didn't see your Experian score. If thats a true FICO not a FAKO then you should fine since they typically pull Experian... they pulled that on both of my Amex peronsal cards.

Pretty sure the credit score from freecredit is a fako..

Re: What does Amex pull when app'ing?

fot1 — Mon, 17 Mar 2014 01:23:18 GMT

6 inquires and if you assume the EX score is around the same as TU and EQ I don't think Amex would approve..

Re: What does Amex pull when app'ing?

Hcontreras — Mon, 17 Mar 2014 01:25:23 GMT

@fot1 wrote:
6 inquires and if you assume the EX score is around the same as TU and EQ I don't think Amex would approve..

Last time I checked my EX true FICO is was about 40 points higher than Eq and TU. That was about 3 months ago

Re: What does Amex pull when app'ing?

Hcontreras — Mon, 17 Mar 2014 01:27:48 GMT

I think I'll wait....

Re: What does Amex pull when app'ing?

09Lexie — Mon, 17 Mar 2014 01:28:53 GMT

@Hcontreras wrote:
@fot1 wrote:
6 inquires and if you assume the EX score is around the same as TU and EQ I don't think Amex would approve..
Last time I checked my EX true FICO is was about 40 points higher than Eq and TU. That was about 3 months ago

Score alone will not determine if you are approved. If you wish to provide more data, then we could probably give you a better response. Based on the consistency of your scores from last year, what made your EX score jump 40 points higher than the other 2 CBs this year?

Re: What does Amex pull when app'ing?

fot1 — Mon, 17 Mar 2014 01:29:20 GMT

@Hcontreras wrote:
@fot1 wrote:
6 inquires and if you assume the EX score is around the same as TU and EQ I don't think Amex would approve..
Last time I checked my EX true FICO is was about 40 points higher than Eq and TU. That was about 3 months ago

May be worth checking what it is now..

Re: What does Amex pull when app'ing?

Hcontreras — Mon, 17 Mar 2014 01:31:00 GMT

@09Lexie wrote:
@Hcontreras wrote:
@fot1 wrote:
6 inquires and if you assume the EX score is around the same as TU and EQ I don't think Amex would approve..
Last time I checked my EX true FICO is was about 40 points higher than Eq and TU. That was about 3 months ago

Score alone will not determine if you are approved. If you wish to provide more data, then we could probablt give a better response. Based on the consistency of your scores from last year, what made your EX score jump 40 points higher than the other 2 CBs this year?

A paid derog on TU and EQ...Not on EX.