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American Express Applications (Existing Cardholders) - When do they use a new credit report?

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Gregory1776
Valued Contributor

Re: American Express Applications (Existing Cardholders) - When do they use a new credit report?


@JoeRockhead wrote:

Many times a SP report pulled for pre-approvals can be 30+ days old data... I'd wait until your updated scores have been around for 30 to 45 days. Would be even better if you wait until your scores are 700+


Is this applicable to CLIs as well?

 

im gonna imagine so. I don't feel like asking again and having to wait to ask on my ED. 😩



Experian [809] TransUnion [823] Equifax [826]

Total Revolving Limits [$224,000]

PenFed Loan: $679/$8,000
Message 11 of 12
GZG
Senior Contributor

Re: American Express Applications (Existing Cardholders) - When do they use a new credit report?


@SouthJamaica wrote:

@Relatxbles wrote:

See that's what I'm confused about. They're showing a 683 there (updated 3 days ago), but when I applied it was still using the report from my previous app on July 25th showing the previous score. I was hoping that they'd use the updated data that they have but it seems like the system must have just re-used the previous report, not sure why or when this will change though.


Oh sorry. That is weird. They have your updated report but are using an old one.


yeah they don't use the same report for the customer facing FICO score thing, they must be an older/seperate? account review pull 

 

the customer facing FICO score thing updates ~weekly 

Starting FICO 8:
Current FICO 8:



4/6, 4/12, 8/24 new accounts
Message 12 of 12
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