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Will Amex pull New report for existing member for new app?

Frequent Contributor

Will Amex pull New report for existing member for new app?

DH has a BCE and Green. His EX just became completely clean yesterday due to 3 mo EE...no more BK!

His Amex statement cut on the 11th and his FICO updated then too. If he applies for another Amex now will they pull an updated report (clean) vs using the SP they most recently pulled (has BK)?
RBFCU Premier $25K, Sam’s Club MC $20K, Cap1 Venture $20K, Employer CU LOC $20K, Navy GoRewards $18K, PenFed Power Cash $10K, PenFed PLOC $10k, Navy Platinum $5.7K, SMG $5.5K, PenFed Promise $2.5K, Total Rewards $3K, Discover It $1.4K, Cap One QS1 $850, Overstock $17.5K
DC BK13 3/17....TU clean due to EE as of 12/17! EX clean as of 4/18! EQ clean as of 5/4/18!
Message 1 of 11
10 REPLIES
Contributor

Re: Will Amex pull New report for existing member for new app?

I recently applied as a current customer and they pulled a report that was a month old. I would definitely wait until it updates with the AMEX myFICO tool and maybe even a few more weeks after that. Hope this helps!
Message 2 of 11
Senior Contributor

Re: Will Amex pull New report for existing member for new app?


@AlCo524 wrote:
I recently applied as a current customer and they pulled a report that was a month old. I would definitely wait until it updates with the AMEX myFICO tool and maybe even a few more weeks after that. Hope this helps!

+1 AMEX is known to use old pulls when apping for current cardholders so definitely wait at least a month for AMEX to SP a fresh report.

FICO 08 Scores (Jun-18): TU 795, EQ 797, EX 791

Message 3 of 11
Frequent Contributor

Re: Will Amex pull New report for existing member for new app?

Thank you!
RBFCU Premier $25K, Sam’s Club MC $20K, Cap1 Venture $20K, Employer CU LOC $20K, Navy GoRewards $18K, PenFed Power Cash $10K, PenFed PLOC $10k, Navy Platinum $5.7K, SMG $5.5K, PenFed Promise $2.5K, Total Rewards $3K, Discover It $1.4K, Cap One QS1 $850, Overstock $17.5K
DC BK13 3/17....TU clean due to EE as of 12/17! EX clean as of 4/18! EQ clean as of 5/4/18!
Message 4 of 11
Regular Contributor

Re: Will Amex pull New report for existing member for new app?

Just another vote that says Amex may use a recent SP to open a new card.

I was able to open ED and Plat (months apart) without a HP. I had prequal offers for both though.
Message 5 of 11
Established Contributor

Re: Will Amex pull New report for existing member for new app?

AMEX PRG was a HP for me but that was after a SP for CLI and I didn't mind the've been terrific worth the hit.

Gardening 2020-2021
Total CL 113k+ UTIL 0.01% Uber Visa, DoubleCash, Quicksilver, Discover IT, Freedom Ulimited, Blue Cash, Premier Rewards GOLD
Message 6 of 11
Regular Contributor

Re: Will Amex pull New report for existing member for new app?


@Jlgab345 wrote:
DH has a BCE and Green. His EX just became completely clean yesterday due to 3 mo EE...no more BK!

His Amex statement cut on the 11th and his FICO updated then too. If he applies for another Amex now will they pull an updated report (clean) vs using the SP they most recently pulled (has BK)?

OP, I spoke to 2 reps last week, and chatted with one to get this info -
If you an existing member and are prequaled for a card, then Amex uses old SP.

If you an existing member and are Not prequaled for a card, then Amex does a HP.

 

I hope this helps.

Amex BCE | Discover | Chase Freedom | Citibank DC | SYNCB | Barclay Rewards | BoA Cash Rewards | CapOne QS | Chase CSR |
| Gotta make it to 800 this year |
Message 7 of 11
Valued Member

Re: Will Amex pull New report for existing member for new app?


@piroskavalentino wrote:

@Jlgab345 wrote:
DH has a BCE and Green. His EX just became completely clean yesterday due to 3 mo EE...no more BK!

His Amex statement cut on the 11th and his FICO updated then too. If he applies for another Amex now will they pull an updated report (clean) vs using the SP they most recently pulled (has BK)?

OP, I spoke to 2 reps last week, and chatted with one to get this info -
If you an existing member and are prequaled for a card, then Amex uses old SP.

If you an existing member and are Not prequaled for a card, then Amex does a HP.

 

I hope this helps.


That is great information!

Message 8 of 11
Senior Contributor

Re: Will Amex pull New report for existing member for new app?


@piroskavalentino wrote:

@Jlgab345 wrote:
DH has a BCE and Green. His EX just became completely clean yesterday due to 3 mo EE...no more BK!

His Amex statement cut on the 11th and his FICO updated then too. If he applies for another Amex now will they pull an updated report (clean) vs using the SP they most recently pulled (has BK)?

OP, I spoke to 2 reps last week, and chatted with one to get this info -
If you an existing member and are prequaled for a card, then Amex uses old SP.

If you an existing member and are Not prequaled for a card, then Amex does a HP.

 

I hope this helps.


Interesting, so I'm guessing that "you are pre-qualified" language actually means something when you browse the card lineup and click on a card. Thanks for the info.

FICO 08 Scores (Jun-18): TU 795, EQ 797, EX 791

Message 9 of 11
Frequent Contributor

Re: Will Amex pull New report for existing member for new app?

Thanks all! DH is going to wait until next month when his scores update before applying. He doesn’t want to get stuck with another toy limit.
RBFCU Premier $25K, Sam’s Club MC $20K, Cap1 Venture $20K, Employer CU LOC $20K, Navy GoRewards $18K, PenFed Power Cash $10K, PenFed PLOC $10k, Navy Platinum $5.7K, SMG $5.5K, PenFed Promise $2.5K, Total Rewards $3K, Discover It $1.4K, Cap One QS1 $850, Overstock $17.5K
DC BK13 3/17....TU clean due to EE as of 12/17! EX clean as of 4/18! EQ clean as of 5/4/18!
Message 10 of 11