Amex Questions

[Anonymous]

Hi all.  I'm wondering if anyone knows what bureaus Amex uses?  My score are all 725 and above, with EQ being my low score.  I hadn't really used credit in the past so I have a short history, no baddies, about 2% usage, but I do have anywhere from 4 to 6 inq, depending on the bureau.  I want to apply but am curious if it would be better to wait until August when my mortgage is a year old and the last of my inquiries will come off.  Thoughts?

[Anonymous]

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@Anonymous_0723 wrote:

Hi all.  I'm wondering if anyone knows what bureaus Amex uses?  My score are all 725 and above, with EQ being my low score.  I hadn't really used credit in the past so I have a short history, no baddies, about 2% usage, but I do have anywhere from 4 to 6 inq, depending on the bureau.  I want to apply but am curious if it would be better to wait until August when my mortgage is a year old and the last of my inquiries will come off.  Thoughts?

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Amex usually pulls EX mainly but what bureau is pulled is based on your state/region.  The best way to find that out is to check the credit pull database (Just google it).  For your other question, you don't have to wait till your mortgage is a year to apply..

It won't make any difference if you apply now or August...

[Anonymous]

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@Anonymous wrote:

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@Anonymous_0723 wrote:

Hi all.  I'm wondering if anyone knows what bureaus Amex uses?  My score are all 725 and above, with EQ being my low score.  I hadn't really used credit in the past so I have a short history, no baddies, about 2% usage, but I do have anywhere from 4 to 6 inq, depending on the bureau.  I want to apply but am curious if it would be better to wait until August when my mortgage is a year old and the last of my inquiries will come off.  Thoughts?

---

Amex usually pulls EX mainly but what bureau is pulled is based on your state/region.  The best way to find that out is to check the credit pull database (Just google it).  For your other question, you don't have to wait till your mortgage is a year to apply..

It won't make any difference if you apply now or August...

---

Thank you for your help.  I guess I was just concerned so many inquiries would limit my chances,  after August I won't have any less than a year old.  When I go to the prequal site, it doesn't give me any offers so I figured something must be keeping me from qualifying.

[Anonymous]

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@Anonymous_0723 wrote:

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@Anonymous wrote:

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@Anonymous_0723 wrote:

Hi all.  I'm wondering if anyone knows what bureaus Amex uses?  My score are all 725 and above, with EQ being my low score.  I hadn't really used credit in the past so I have a short history, no baddies, about 2% usage, but I do have anywhere from 4 to 6 inq, depending on the bureau.  I want to apply but am curious if it would be better to wait until August when my mortgage is a year old and the last of my inquiries will come off.  Thoughts?

---

Amex usually pulls EX mainly but what bureau is pulled is based on your state/region.  The best way to find that out is to check the credit pull database (Just google it).  For your other question, you don't have to wait till your mortgage is a year to apply..

It won't make any difference if you apply now or August...

---

Thank you for your help.  I guess I was just concerned so many inquiries would limit my chances,  after August I won't have any less than a year old.  When I go to the prequal site, it doesn't give me any offers so I figured something must be keeping me from qualifying.

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A pre-equal not showing does not mean you won't get approved.  What card are you looking to apply for? Based on the info you provided, you stand a strong chance of getting approved if you apply...

[Anonymous]

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@Anonymous wrote:

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@Anonymous_0723 wrote:

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@Anonymous wrote:

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@Anonymous_0723 wrote:

Hi all.  I'm wondering if anyone knows what bureaus Amex uses?  My score are all 725 and above, with EQ being my low score.  I hadn't really used credit in the past so I have a short history, no baddies, about 2% usage, but I do have anywhere from 4 to 6 inq, depending on the bureau.  I want to apply but am curious if it would be better to wait until August when my mortgage is a year old and the last of my inquiries will come off.  Thoughts?

---

Amex usually pulls EX mainly but what bureau is pulled is based on your state/region.  The best way to find that out is to check the credit pull database (Just google it).  For your other question, you don't have to wait till your mortgage is a year to apply..

It won't make any difference if you apply now or August...

---

Thank you for your help.  I guess I was just concerned so many inquiries would limit my chances,  after August I won't have any less than a year old.  When I go to the prequal site, it doesn't give me any offers so I figured something must be keeping me from qualifying.

---

A pre-equal not showing does not mean you won't get approved.  What card are you looking to apply for? Based on the info you provided, you stand a strong chance of getting approved if you apply...

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Probably the everyday card.  I probably need to look at the cards closer to see which card is best.  I've also considered the USAA Amex but am not really happy with how they don't increase without you requesting and it's always a hard pull.  Any pointers if recommendations for cards? I like the cash back options 

[Anonymous]

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@Anonymous wrote:

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@Anonymous_0723 wrote:

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@Anonymous wrote:

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@Anonymous_0723 wrote:

Hi all.  I'm wondering if anyone knows what bureaus Amex uses?  My score are all 725 and above, with EQ being my low score.  I hadn't really used credit in the past so I have a short history, no baddies, about 2% usage, but I do have anywhere from 4 to 6 inq, depending on the bureau.  I want to apply but am curious if it would be better to wait until August when my mortgage is a year old and the last of my inquiries will come off.  Thoughts?

---

Amex usually pulls EX mainly but what bureau is pulled is based on your state/region.  The best way to find that out is to check the credit pull database (Just google it).  For your other question, you don't have to wait till your mortgage is a year to apply..

It won't make any difference if you apply now or August...

---

Thank you for your help.  I guess I was just concerned so many inquiries would limit my chances,  after August I won't have any less than a year old.  When I go to the prequal site, it doesn't give me any offers so I figured something must be keeping me from qualifying.

---

A pre-equal not showing does not mean you won't get approved.  What card are you looking to apply for? Based on the info you provided, you stand a strong chance of getting approved if you apply...

---

Oh, one last question.  I see sometimes they give low starting cls, to your knowledge do the amount of inquiries and how recent they are go into play for the credit limit? Do they inc regularly or do you get stuck where they start you forever?

[Anonymous]

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@Anonymous_0723 wrote:

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@Anonymous wrote:

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@Anonymous_0723 wrote:

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@Anonymous wrote:

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@Anonymous_0723 wrote:

Hi all.  I'm wondering if anyone knows what bureaus Amex uses?  My score are all 725 and above, with EQ being my low score.  I hadn't really used credit in the past so I have a short history, no baddies, about 2% usage, but I do have anywhere from 4 to 6 inq, depending on the bureau.  I want to apply but am curious if it would be better to wait until August when my mortgage is a year old and the last of my inquiries will come off.  Thoughts?

---

Amex usually pulls EX mainly but what bureau is pulled is based on your state/region.  The best way to find that out is to check the credit pull database (Just google it).  For your other question, you don't have to wait till your mortgage is a year to apply..

It won't make any difference if you apply now or August...

---

Thank you for your help.  I guess I was just concerned so many inquiries would limit my chances,  after August I won't have any less than a year old.  When I go to the prequal site, it doesn't give me any offers so I figured something must be keeping me from qualifying.

---

A pre-equal not showing does not mean you won't get approved.  What card are you looking to apply for? Based on the info you provided, you stand a strong chance of getting approved if you apply...

---

Oh, one last question.  I see sometimes they give low starting cls, to your knowledge do the amount of inquiries and how recent they are go into play for the credit limit? Do they inc regularly or do you get stuck where they start you forever?

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Amex is not inquiry sensitive.  Your starting limit is determined by your current starting limits.  But that is the last thing you should worry about when it comes to Amex.  Amex cards tend to grow quickly when it comes to limits.

Another good cash back card is thw Chase Freedom.  Discover is also good but I see you alreadt have that. 

What are the limits on your current cards?

[Anonymous]

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@Anonymous wrote:

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@Anonymous_0723 wrote:

---

@Anonymous wrote:

---

@Anonymous_0723 wrote:

---

@Anonymous wrote:

---

@Anonymous_0723 wrote:

Hi all.  I'm wondering if anyone knows what bureaus Amex uses?  My score are all 725 and above, with EQ being my low score.  I hadn't really used credit in the past so I have a short history, no baddies, about 2% usage, but I do have anywhere from 4 to 6 inq, depending on the bureau.  I want to apply but am curious if it would be better to wait until August when my mortgage is a year old and the last of my inquiries will come off.  Thoughts?

---

Amex usually pulls EX mainly but what bureau is pulled is based on your state/region.  The best way to find that out is to check the credit pull database (Just google it).  For your other question, you don't have to wait till your mortgage is a year to apply..

It won't make any difference if you apply now or August...

---

Thank you for your help.  I guess I was just concerned so many inquiries would limit my chances,  after August I won't have any less than a year old.  When I go to the prequal site, it doesn't give me any offers so I figured something must be keeping me from qualifying.

---

A pre-equal not showing does not mean you won't get approved.  What card are you looking to apply for? Based on the info you provided, you stand a strong chance of getting approved if you apply...

---

Oh, one last question.  I see sometimes they give low starting cls, to your knowledge do the amount of inquiries and how recent they are go into play for the credit limit? Do they inc regularly or do you get stuck where they start you forever?

---

Amex is not inquiry sensitive.  Your starting limit is determined by your current starting limits.  But that is the last thing you should worry about when it comes to Amex.  Amex cards tend to grow quickly when it comes to limits.

Another good cash back card is thw Chase Freedom.  Discover is also good but I see you alreadt have that. 

What are the limits on your current cards?

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Usaa 6000, discover 3500, Home Depot 3000 and the capital one cards are lousy at 2000 and 1300 I qualify for a better card now but haven't wanted to take the credit check hit

[Anonymous]

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@Anonymous wrote:

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@Anonymous_0723 wrote:

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@Anonymous wrote:

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@Anonymous_0723 wrote:

---

@Anonymous wrote:

---

@Anonymous_0723 wrote:

Hi all.  I'm wondering if anyone knows what bureaus Amex uses?  My score are all 725 and above, with EQ being my low score.  I hadn't really used credit in the past so I have a short history, no baddies, about 2% usage, but I do have anywhere from 4 to 6 inq, depending on the bureau.  I want to apply but am curious if it would be better to wait until August when my mortgage is a year old and the last of my inquiries will come off.  Thoughts?

---

Amex usually pulls EX mainly but what bureau is pulled is based on your state/region.  The best way to find that out is to check the credit pull database (Just google it).  For your other question, you don't have to wait till your mortgage is a year to apply..

It won't make any difference if you apply now or August...

---

Thank you for your help.  I guess I was just concerned so many inquiries would limit my chances,  after August I won't have any less than a year old.  When I go to the prequal site, it doesn't give me any offers so I figured something must be keeping me from qualifying.

---

A pre-equal not showing does not mean you won't get approved.  What card are you looking to apply for? Based on the info you provided, you stand a strong chance of getting approved if you apply...

---

Oh, one last question.  I see sometimes they give low starting cls, to your knowledge do the amount of inquiries and how recent they are go into play for the credit limit? Do they inc regularly or do you get stuck where they start you forever?

---

Amex is not inquiry sensitive.  Your starting limit is determined by your current starting limits.  But that is the last thing you should worry about when it comes to Amex.  Amex cards tend to grow quickly when it comes to limits.

Another good cash back card is thw Chase Freedom.  Discover is also good but I see you alreadt have that. 

What are the limits on your current cards?

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My oldest card is just from last April

[Anonymous]

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A pre-equal not showing does not mean you won't get approved.  What card are you looking to apply for? Based on the info you provided, you stand a strong chance of getting approved if you apply...

---

Oh, one last question.  I see sometimes they give low starting cls, to your knowledge do the amount of inquiries and how recent they are go into play for the credit limit? Do they inc regularly or do you get stuck where they start you forever?

---

Amex is not inquiry sensitive.  Your starting limit is determined by your current starting limits.  But that is the last thing you should worry about when it comes to Amex.  Amex cards tend to grow quickly when it comes to limits.

Another good cash back card is thw Chase Freedom.  Discover is also good but I see you alreadt have that. 

What are the limits on your current cards?

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My oldest card is just from last April

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And limits?  If you don't want to disclose them, just say what your highest limit is and your lowest is.  You are over thinking it. You will be fine with Amex but I understand the hesitancy...