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How can I check if an app was a HP?

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Anonymous
Not applicable

How can I check if an app was a HP?

When I got approved for my Amex card last month I checked CK and they didnt show any inquires. Is there another way to check if it was a HP? Im sure it was but Im confused as to why it wouldnt show. Is there a sure way to check?

10 REPLIES 10
Jnbmom
Credit Mentor

Re: How can I check if an app was a HP?

Amex usually pulls EXP and you don't get that with CK.

EXP 780 EQ 791TU 795
Message 2 of 11
Brian_Earl_Spilner
Credit Mentor

Re: How can I check if an app was a HP?

Amex almost never pulls anything but experian, the report ck doesn't give you.

    
Message 3 of 11
Anonymous
Not applicable

Re: How can I check if an app was a HP?

Oh ok. Thanks for clearing that up. I was wondering why they dont give Experian. Is there a place you can get your Experian report?

Message 4 of 11
Anonymous
Not applicable

Re: How can I check if an app was a HP?

Besides the free one youre allowed once per year from each one appearently.

Message 5 of 11
Jnbmom
Credit Mentor

Re: How can I check if an app was a HP?

https://www.creditscore.com/

EXP 780 EQ 791TU 795
Message 6 of 11
Gmood1
Super Contributor

Re: How can I check if an app was a HP?

Here's another https://www.creditscorecard.com
This only updates once a month.
Message 7 of 11
Anonymous
Not applicable

Re: How can I check if an app was a HP?

Credit.com will give you Experian. Now I don't think it gets into specifics as to what exactly each item is on your report. But it will tell you how many accounts, inquiries, derogatory accounts, aaoa etc.
Message 8 of 11
Anonymous
Not applicable

Re: How can I check if an app was a HP?

Besides what everyone else has told you, as you just starting out in the credit world, just assume that every application you make will result in a HP or multiple HPs.  If a new credit product isn’t worth the HP(s), then more than likely it’s not worth applying for in the first place.

Message 9 of 11
MrDisco99
Valued Contributor

Re: How can I check if an app was a HP?

Experian has a free phone app that will show you your current report and give you alerts as well.  That's what I use.

Message 10 of 11
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