@TeeandDee wrote:Is the AMEX prequalify or preapproval on their website a soft or hard pull?? I noticed that it asked for a lot of information for just a check to see if you have offers (address etc)! I've been meaning to ask this for a while. No plans to apply, just would like to check if I have offers in the next few months, but definatly do not want to check if it's not a soft pull.
It's not a HP for certain; however, I don't think it's necessarily a soft pull either.
I hit that pre-qual link for giggles at one point, and then a few months later pulled a EX report: nada. It's highly unlikely they would've checked any other bureau with my living in CA. No prior accounts of any sort with Amex then.
@TeeandDee wrote:Is the AMEX prequalify or preapproval on their website a soft or hard pull?? I noticed that it asked for a lot of information for just a check to see if you have offers (address etc)! I've been meaning to ask this for a while. No plans to apply, just would like to check if I have offers in the next few months, but definatly do not want to check if it's not a soft pull.
I don't believe this is even a SP, I think this is just them checking their systems for any offers they qualified you for when they buy info. from the bureaus.
@bichonmom wrote:Definitely not a HP, but I do believe it's a soft. I think it's a "PR" soft vs. an "AR" soft. So, they don't get your entire report, but they get enough data to give them an idea of what you might qualify for.
I am opted out and repeatedly tried their pre-approval site and it never worked for me, so I do believe they are checking your credit report to some degree.
I've checked my EX softs a few days after doing the prequalifier with AMEX and nothing shows up. 
@LS2982 wrote:
@bichonmom wrote:Definitely not a HP, but I do believe it's a soft. I think it's a "PR" soft vs. an "AR" soft. So, they don't get your entire report, but they get enough data to give them an idea of what you might qualify for.
I am opted out and repeatedly tried their pre-approval site and it never worked for me, so I do believe they are checking your credit report to some degree.
I've checked my EX softs a few days after doing the prequalifier with AMEX and nothing shows up.
Hi LS2982,
How do you see your EXP credit report softs as I belong to Experian Credit Tracker and only shows hard inquiries? Which credit report monitoring service if I may ask?
Thanks!
@Anonymous wrote:
@LS2982 wrote:
@bichonmom wrote:Definitely not a HP, but I do believe it's a soft. I think it's a "PR" soft vs. an "AR" soft. So, they don't get your entire report, but they get enough data to give them an idea of what you might qualify for.
I am opted out and repeatedly tried their pre-approval site and it never worked for me, so I do believe they are checking your credit report to some degree.
I've checked my EX softs a few days after doing the prequalifier with AMEX and nothing shows up.
Hi LS2982,
How do you see your EXP credit report softs as I belong to Experian Credit Tracker and only shows hard inquiries? Which credit report monitoring service if I may ask?
Thanks!
I've been told in the past that it is not recommended to give out that info. on the forums. There is a "backdoor" way to get the info.