Who does Amex HP when applying?

[rgd51]

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

[increasingmyfico]

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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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 Exp 

[rgd51]

They won't pull any others? Do they have rules on how many recent inquiries are acceptable? I got denied by citi for 1 recent inquiry.

[simplynoir]

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@rgd51 wrote:

They won't pull any others? Do they have rules on how many recent inquiries are acceptable? I got denied by citi for 1 recent inquiry.

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There isn't really a hard number to go by honestly as far as how many inquiries on your EX report are acceptable. They seem to be really relaxed as far as previous credit exploration to an extent compared to other banks. As long as you have not been excessively seeking credit recently and have no previous negative history with AMEX to go along with good scores you should really have no worries. Other banks like Citi and US Bank have more stringent requirements and should not color your views on how other banks operate

Did the Citi denial mention only the one inquiry as the reason for the denial? I am surprised because recent data points suggest there is a 3/6 rule with inquiries where 3 or more HPs in a six month period is an automatic denial with no exceptions not even during recon

[GatoradeZeroGuy]

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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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check for this when you apply

Usually Ex, sometimes Ex + TU

[rgd51]

Yeah citi told me it was the 1 recent inquiry that was the entire reason for my denial. I've had 2 experian inquiries in the last 2 days that both resulted in denials (I applied for the chase freedom flex but was denied due to having received a SUB too recently). Now I'm concerned another place that pulls only EX will deny me despite my perfect credit history and over 800 fico. Who pulls only TU and EQ?

[simplynoir]

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@rgd51 wrote:

Who pulls only TU and EQ?

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The list was last updated back in summer 2021 but it's a good reference to get things started

https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Ap...

[rgd51]

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

[OmarGB9]

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@rgd51 wrote:

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

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Pretty sure its still EX; they're pretty consistent EX pullers. Though they do sometimes double pull and hit TU as well.

[simplynoir]

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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