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How fresh data Amex use for CLI pull?

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tricklemoo
Established Member

How fresh data Amex use for CLI pull?

Hi, want to attempt another Amex CLI request and it would be fairly significant for my personal finances if one was approved. I'm of the understanding they always pull Experian and always a softpull, for CLI requests. However is there any way to know how old the data they are getting is? If they did a pre-emptitive routine softpull for me and use it and its old, it may show me over 28% over my aggreate utlization, whereas if it pulls now, I will be under (I get daily FICO report by subscribing to Experian directly, so I can see that all my accounts are up to date reporting on there as of yesterday). 

Message 1 of 9
8 REPLIES 8
Brian_Earl_Spilner
Credit Mentor

Re: How fresh data Amex use for CLI pull?

Typically 1-2 months old. 

    
Message 2 of 9
tricklemoo
Established Member

Re: How fresh data Amex use for CLI pull?

Ah...darn. Thanks for info though!

Message 3 of 9
GZG
Valued Contributor

Re: How fresh data Amex use for CLI pull?


@Brian_Earl_Spilner wrote:

Typically 1-2 months old. 


I wonder if they are using the updated FICO pulls from MyCreditGuide now because you can't access the monthly fico pull anymore AFAIK, you are redirected to the MyCreditGuide pull which seems to be rather often (one a week?) 

 

this would be a shame if they are still using a monthly account review pull because now you'll never know when it is, unless you stalk the soft pulls can find the one on Exp that relates to the AR pull as opposed to the mycreditguide pull 

Starting FICO 8:

Current FICO 8:

3/6, 5/12, 14/24

Message 4 of 9
Zoostation1
Valued Contributor

Re: How fresh data Amex use for CLI pull?

I hope it's the My Credit Guide pulls, since those appear to update whenever there's a report change.  My BCP statement closed 2 days ago and the EX report from My Credit Guide updated today.

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
April 2024 FICO 8:
April 2024 FICO 9:
Message 5 of 9
Lou-natic
Established Contributor

Re: How fresh data Amex use for CLI pull?


@GZG wrote:

@Brian_Earl_Spilner wrote:

Typically 1-2 months old. 


I wonder if they are using the updated FICO pulls from MyCreditGuide now because you can't access the monthly fico pull anymore AFAIK, you are redirected to the MyCreditGuide pull which seems to be rather often (one a week?) 

 

this would be a shame if they are still using a monthly account review pull because now you'll never know when it is, unless you stalk the soft pulls can find the one on Exp that relates to the AR pull as opposed to the mycreditguide pull 


Getting your credit reports from annualcreditreport.com will show you all the soft pulls your lenders and everyone else does and you can figure it out pretty easy. They have also made the weekly credit reports they started because of COVID permanent as well so you can check every week now. No more once per year nonsense.




3/3/24
Message 6 of 9
BuckyB
New Contributor

Re: How fresh data Amex use for CLI pull?

Well about a week ago I got a letter in the mail telling me I was denied for the Amazon prime business card because I'd applied for too many Amex cards in the past 90 days or whatever, I didn't know about the limit, and it listed on the back of the sheet of paper my credit score from about a month and a half ago. YMMV.

Message 7 of 9
JenW83
Established Member

Re: How fresh data Amex use for CLI pull?


@BuckyB wrote:

Well about a week ago I got a letter in the mail telling me I was denied for the Amazon prime business card because I'd applied for too many Amex cards in the past 90 days or whatever, I didn't know about the limit, and it listed on the back of the sheet of paper my credit score from about a month and a half ago. YMMV.


If you ask Amex Customer Service, they update their FICO score information once a month, but couldn't tell me when, or what time of the month they do it.  When I looked at my TU soft inquiries, it's showing that Amex last pulled my score in October of 2023.  That's disheartinging, because my score has increased by 20+ points since then.  Amex's internal updates don't seem to be consistent, which is frustrating when you're rebuilding. Smiley Happy

Message 8 of 9
youngandcreditwrthy
Senior Contributor

Re: How fresh data Amex use for CLI pull?

yup usually at least 30 days. I'd wait 60 to be sure unless theres nother milestone or something ele your concerned about. usually doesnt hurt to ask for SP CLIS regardless though I ahve begun to wonder if banks are adding frequent CLIs from consumers into their algorithms resulting in a riskier ask. hm

 

you could always go check the soft pulls on your EXP report and see when amex pulled it last. theyll pull when you open a new account or get a HP, so look beyond that.

 

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
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