topic Re: How to tell when Amex soft pulls? in Credit Cards

How to tell when Amex soft pulls?

mikelo22 — Sun, 24 Aug 2014 00:57:23 GMT

I have reached my 61st day for Amex 3x CLI. It's my understanding that they pull Experian. I have my report, but how do I tell when was the last time that Amex did a soft pull? Because as I understand it, your 3x CLI is based upon the last SP.

Also, Experian is only reporting 2 HP's in the last year. However, my TU report shows 5 HP's. Why haven't these other HP's been posted to Experian? It's been several months on a couple of them.

I was wondering because I don't want to do a 3x CLI if these 5 HP's are suddenly going to show up. But as it stands, I don't see them on my Exp report. So I'm sort of confused.

Re: How to tell when Amex soft pulls?

mongstradamus — Sun, 24 Aug 2014 00:57:31 GMT

@mikelo22 wrote:
I have just about hit my 61st day for Amex 3x CLI. It's my understanding that they pull Experian. I have my report, but how do I tell when was the last time that Amex did a soft pull? Because as I understand it, your 3x CLI is based upon the last SP.

Also, Experian is only reporting 2 HP's in the last year. However, my TU report shows 5 HP's. Why haven't these other HP's been posted to Experian? It's been several months on a couple of them.

I was wondering because I don't want to do a 3x CLI if these 5 HP's are suddenly going to show up. But as it stands, I don't see them on my Exp report. So I'm sort of confused.

you can probably pull your ex report some where, and it will show all the SPs they do. For me its like twice an month they SP. I don't think they are that strict with HP for cli i got both mine relatively easily. Will see how next one goes at end of the year. It will put me over 25k threshold.

Re: How to tell when Amex soft pulls?

mikelo22 — Sun, 24 Aug 2014 01:12:15 GMT

Yeah, I'm just not seeing it. I only see the HP's. My 'Monthly Statement' is still not "ready yet." Whatever that means. Maybe once that comes in it'll show it.

Re: How to tell when Amex soft pulls?

mongstradamus — Sun, 24 Aug 2014 01:13:57 GMT

@mikelo22 wrote:
Yeah, I'm just not seeing it. I only see the HP's. My 'Monthly Statement' is still not "ready yet." Whatever that means. Maybe once that comes in it'll show it.

FWIW i got my 3x cli on 61st day. I wouldn't be too worried about it unless your utilzation is like 75% +

Re: How to tell when Amex soft pulls?

mikelo22 — Sun, 24 Aug 2014 01:21:06 GMT

@mongstradamus wrote:
@mikelo22 wrote:
Yeah, I'm just not seeing it. I only see the HP's. My 'Monthly Statement' is still not "ready yet." Whatever that means. Maybe once that comes in it'll show it.
FWIW i got my 3x cli on 61st day. I wouldn't be too worried about it unless your utilzation is like 75% +

Yeah, I may just go for it. But I'm so paranoid. I went on an app spree the first part of summer so I have a number of new accounts/HP's. Like I said though, only two of the four HP's are even showing up on the Exp report. Util is at a steady ~6%.

Re: How to tell when Amex soft pulls?

mongstradamus — Sun, 24 Aug 2014 01:22:56 GMT

@mikelo22 wrote:
@mongstradamus wrote:
@mikelo22 wrote:
Yeah, I'm just not seeing it. I only see the HP's. My 'Monthly Statement' is still not "ready yet." Whatever that means. Maybe once that comes in it'll show it.
FWIW i got my 3x cli on 61st day. I wouldn't be too worried about it unless your utilzation is like 75% +
Yeah, I may just go for it. But I'm so paranoid. I went on an app spree the first part of summer so I have a number of new accounts/HP's. Like I said though, only two of the four HP's are even showing up on the Exp report. Util is at a steady ~6%.

i got my freedom , BCP and discover IT all the same day, and i have got every 3x cli i asked for. Also for my first cli my credit wasn't as good as yours is .

Re: How to tell when Amex soft pulls?

js0319 — Sun, 24 Aug 2014 04:08:51 GMT

Pull your free EX report from annualcreditreport.com, and it will show all of your soft pulls.

Re: How to tell when Amex soft pulls?

Anonymous — Sun, 24 Aug 2014 04:34:16 GMT

How do you tell a soft pull from a hard pull?

Re: How to tell when Amex soft pulls?

lonelyisland — Sun, 24 Aug 2014 04:34:28 GMT

The only place I have ever seen soft pulls on Experian is when I have logged into the "back door" with a report number, either previously purchased, or from a dispute.

https://www.experian.com/view

Re: How to tell when Amex soft pulls?

lonelyisland — Sun, 24 Aug 2014 04:37:00 GMT

@Anonymous wrote:
How do you tell a soft pull from a hard pull?

Experian calls the soft pulls section:

Inquiries Shared Only With You

Hard Pulls are under:

Inquiries Shared With Others

Re: How to tell when Amex soft pulls?

Anonymous — Sun, 24 Aug 2014 04:47:03 GMT

thanks lonley!