Amex sp me almost daily Help!!

[MeN5]

So I check my Experian soft pulls every other day and for the last few months Ive noticed that Amex soft pull me alot from different Amex addresses now the crazy part is I do have a bk that will be 5yr 1mo come August what do you Amex gurus take from this also my Exp score is 658 at the moment but expecting an increase in the next month.

[Andypanda]

No one sees it but you, so it shouldn't effect anything's. Have you recently gotten an amec card? If so they might just be checking on you, and it should stop within a few weeks.

[MeN5]

@Andypanda  no Ive never had a Amex card that what's  got me wondering if thats a good thing lol

[Anonymous]

Try their pre-qual and see if you have any offers

[MeN5]

@Anonymous Nope im thinking its because Im a few months short of the 5yrs1mo 

[coldfusion]

It could be AMEX has targeted your zip code and is looking for residents meeting criteria they've established in order to make preapproved offers of credit.

When you filed for BK was AMEX included in the filing?

[MeN5]

@coldfusion  nope ive never had an Amex 

[coldfusion]

You might get a preapproved offer in the mail from them in about 2 months.   Those are generally solid as long as there haven't been any significant changes in the interim with your credit profile like new cards reporting, a significant increase in balances, or a new derog like a 30 day late. 

Your FICO score right now is a little bit below what they tend to like but it wouldn't be a dealbreaker either, and as you appear to already be aware AMEX doesn't automatically reject applicants who are more than 5 yrs 1 month post-BK.  It  wouldn't be 100% but if they sent you a preapproval mail I'd consider it legit.

[Meanmchine]

How do you get your SPs to show?  I use CCT to access my EX file and dont see my SPs.

[MeN5]

@Meanmchine I click start dispute then inquires then its at the very bottom.