Who does Amex HP when applying?

[rgd51]

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@simplynoir wrote:

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@rgd51 wrote:

I live in Utah. Do you know which one Amex pulls in utah?

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Experian is what AMEX uses primairly for making credit decisions for all future/currrent customers. FWIW once in a blue moon they may also pull one of the other two bureaus but we don't receive many reports of that happening

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Who does discover usually pull? I won't ask about cap one since they like to triple pull

[simplynoir]

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@rgd51 wrote:

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@simplynoir wrote:

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@rgd51 wrote:

I live in Utah. Do you know which one Amex pulls in utah?

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Experian is what AMEX uses primairly for making credit decisions for all future/currrent customers. FWIW once in a blue moon they may also pull one of the other two bureaus but we don't receive many reports of that happening

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Who does discover usually pull? I won't ask about cap one since they like to triple pull

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Believe they use Equifax primairly with some Experian and Transunion sprinkled in. They don't have a "set" bureau like AMEX does with EX

[rgd51]

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@simplynoir wrote:

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@rgd51 wrote:

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@simplynoir wrote:

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@rgd51 wrote:

I live in Utah. Do you know which one Amex pulls in utah?

---

Experian is what AMEX uses primairly for making credit decisions for all future/currrent customers. FWIW once in a blue moon they may also pull one of the other two bureaus but we don't receive many reports of that happening

---

Who does discover usually pull? I won't ask about cap one since they like to triple pull

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Believe they use Equifax primairly with some Experian and Transunion sprinkled in. They don't have a "set" bureau like AMEX does with EX

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Seems like EX is the most popular one that lenders like to use. I also read that the cash magnet got rid of the $25 redemption minimum.

[simplynoir]

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@rgd51 wrote:

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@simplynoir wrote:

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@rgd51 wrote:

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@simplynoir wrote:

---

@rgd51 wrote:

I live in Utah. Do you know which one Amex pulls in utah?

---

Experian is what AMEX uses primairly for making credit decisions for all future/currrent customers. FWIW once in a blue moon they may also pull one of the other two bureaus but we don't receive many reports of that happening

---

Who does discover usually pull? I won't ask about cap one since they like to triple pull

---

Believe they use Equifax primairly with some Experian and Transunion sprinkled in. They don't have a "set" bureau like AMEX does with EX

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Seems like EX is the most popular one that lenders like to use. I also read that the cash magnet got rid of the $25 redemption minimum.

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Correct, all AMEX cash back cards (BCE, BCP, Magnet) got rid of the minimum redemption thresholds

[Jnbmom]

 Discover always pulls EXP for me .

[Who_wuda_thought]

@rgd51 

If you search "Amex" in approvals, you will find that nearly all recent new Amex card apps resulted in a double EX and TU hard pull.  It was the case for myself also, when I applied/was approved for BCP 10/22/22.   As mentioned previously though, when you apply through the new "Know If You're Approved..." Amex pages, you will not receive a HP unless you are approved and accept.  Denial = no HP

[Who_wuda_thought]

@rgd51 

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@rgd51 wrote:

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@simplynoir wrote:

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@rgd51 wrote:

I live in Utah. Do you know which one Amex pulls in utah?

---

Experian is what AMEX uses primairly for making credit decisions for all future/currrent customers. FWIW once in a blue moon they may also pull one of the other two bureaus but we don't receive many reports of that happening

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Who does discover usually pull? I won't ask about cap one since they like to triple pull

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Discover apps seem to generate EX HP's mostly, as you'll see in the (updated) chart in the link below, as well as a search through approvals forum.  You mmk ight want to bookmark this link for future reference.  OP has been updating.

https://ficoforums.myfico.com/t5/General-Credit-Topics/Which-Report-Will-They-Pull-Part-2/td-p/63797...

[rgd51]

I applied for the cash magnet and got approved with their lowest APR of 17.74%. They did a double pull. It was TU and EX that they pulled for me. It seems they didn't pull EQ. I got a $14,800 SL. I'm glad I applied for it rather than the quicksilver since cap one likely would have given me a low CL as they had in the past.

[Tazman81]

Congrats and welcome to the AMEX family.  Good news will be in the future, if you decide to get other cards through AMEX, it is typically a soft pull so you will have room to grow.  Also CLI are usually soft pulls as well.

[Suzette2]

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@rgd51 wrote:

I'm thinking of applying for the cash magnet. Who does Amex HP when you apply for one of their cards?

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My first card was a double pull: EX and TU.  After that all SP for all my cards