Amex used month old score for denial

[Anonymous]

Recently applied for blue biz plus and was denied. I've had the green card since 2015, always in good standing. The score noted in denial letter was from August, using a score that's 40+ points lower than what's current. Is that because they do a soft pull? 

Also, since I already have an account with them, would applying for a personal charge card mean that's a soft pull too? Ty for any responses. 

[Brian_Earl_Spilner]

The score they use if from their monthly pull and can be behind a month or two. You can try again once the score updates.

[M_Smart007]

I hate when lenders use old scores

Sorry for your denial OP.

They use an old SP as to not pay for a fresh pull.

[M_Smart007]

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@Anonymous wrote:

Also, since I already have an account with them, would applying for a personal charge card mean that's a soft pull too?

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IME, They have always used SP's for Me, I have had only (1) HP in 30+ years.

Keep in mind, that some DP's on the forum, they can pull a fresh report when applying .. it is a YMMV type of thing.

Always expect a HP and be glad for a softie.

[Creditaddict]

Just had this happen to me earlier!

I just got approved my Delta Platinum Business but since it took over a month because of Taxes the score they used for my app tonight was actually from 9/18/20 and for some reason was 50 points lower than my score at time of approval for delta and my score today... not sure what happened but it must have been a short stay at that score because I have not even had an alert from EX for a score drop more than 10 points.

[Anonymous]

Thanks for sharing DP. I trust Amex will give me a chance once my co's age a bit