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2nd AMEX was Hard Pull

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Meanmchine
Super Contributor

Re: 2nd AMEX was Hard Pull

Comenity Banks computers get crazy also when it comes to fraud alerts

If you have a FA, always make sure your contact phone number is current

 

Personally, I prefer freezing credit reports -vs- fraud alerts.

 

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>7/2025 All 3 reports 830 - 845(F8) F9s = all 850 but my app finger is still twitching
Message 11 of 13
dlister70
Frequent Contributor

Re: 2nd AMEX was Hard Pull


@Meanmchine wrote:

Comenity Banks computers get crazy also when it comes to fraud alerts

If you have a FA, always make sure your contact phone number is current

 

Personally, I prefer freezing credit reports -vs- fraud alerts.

 


Next time I believe that I will just freeze them instead of doing the fraud alert.  I was able to initiate the fraud alert online, but it looked like I had to mail something in order to lift it.  I did look at lifting the fraud alert so that I could get instant approvals on the cards I apped, but I didn't even think about it causing a hard inquiry for AMEX.  Since (it looked like) I had to mail something in, I just went for the apps anyway and figured I'd just verify myself when they asked.



Message 12 of 13
Meanmchine
Super Contributor

Re: 2nd AMEX was Hard Pull

Make sure to contact all 3 bureaus. Once a FA is placed on one report, they automatically notify the other two.

 

 

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>7/2025 All 3 reports 830 - 845(F8) F9s = all 850 but my app finger is still twitching
Message 13 of 13
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