Amex account review????

pokerpro · ‎07-04-2012

Hello everyone -

I wanted to seek some guidance and advice

My wife and I have Amex Blue cash since 08 - She is the owner & I am the AU

we were never late, never maxed out - always pay more than minimum. And never once asked for CLI

yet - I just looked at our experian and there are a total of 5 SP ( three on hers, 2 on mine) within June

why are they reviewing it ??? so closely???

We have no new open accounts in several years other than a loan. that is it

Utilization is below 10% consistently

any insight

BK7 Discharge: October 2004 Starting Score: 590 March 2018 EQ & EX & TU FICO Score: 846 & 847 & 850

Goal Score: 800+ across the board | Goals Hit: 3 Active Cards: 2

Gardening Since: October 2015 Garden Goal: Oct 2018

Wish List: | None

Datx · ‎07-04-2012

I believe its pretty normal for Amex to do this. They do it to pre-qualify you for other cards. And they could also do it just in case they see a risk as you go along. Risk meaning increase in balances with other cards, etc. Just what they do.

flowfaster · ‎07-04-2012

Does Amex care if an AU has horrible credit? My DGF went through a divorce that left her with an unpaid repo and 1 charge off. Her score is in the high 500s low 600s. Amex didn't bat eye at sending her a card. My credit ,while short is impeccable. Just wondering, I must be at a higher risk of FR or AA because she is an AU on my Blue Cash?

sorry if off topic

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson

GST2008 · ‎07-04-2012

The multiple soft-pulls are probably for multiple different things. Check them and see if they are associated with different addresses. I think the general credit check has a different address from the department that checks to see if you are eligable to be pre-approved for a different card or service. I will sometimes have multiples in one month, but from different addresses, and then will go several months with no softs at all. I wouldn't worry about it.

Current:
TU (5/14/14): 796 (Inquiries; 8/23/13)
EQ (3/23/14): 791 (Inquiries: 8/23/13)
EX (9/24/13): 780 (Inquiries: 7/2/12; 11/20/12; 7/30/13; 8/23/13)

Goals: No new inquiries for 2014, 800 for all CRs by 12/31/14

Repo-ed · ‎07-04-2012

Nothing to be concerned with.

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891

pokerpro · ‎07-04-2012

Thanks everyone You are right Repo we have nothing to worry about. Finances are in order But they are from different addresses as GS recommends Couple say Amex account review

BK7 Discharge: October 2004 Starting Score: 590 March 2018 EQ & EX & TU FICO Score: 846 & 847 & 850

Goal Score: 800+ across the board | Goals Hit: 3 Active Cards: 2

Gardening Since: October 2015 Garden Goal: Oct 2018

Wish List: | None

LS2982 · ‎07-04-2012

How are you seeing your softs OP?

EQ FICO 548 3/3/16

pokerpro · ‎07-04-2012

I pulled our experian report straight from the CRA

BK7 Discharge: October 2004 Starting Score: 590 March 2018 EQ & EX & TU FICO Score: 846 & 847 & 850

Goal Score: 800+ across the board | Goals Hit: 3 Active Cards: 2

Gardening Since: October 2015 Garden Goal: Oct 2018

Wish List: | None

Revelate · ‎07-04-2012

@LS2982 wrote:
How are you seeing your softs OP?

The reports directly from the bureaus (at least from annualcreditreport.com, I'd assume on the $8 versions too) show soft inquiries as well.

LS2982 · ‎07-04-2012

Ok thanks, I haven't been able to see mine through EX CMS in awhile. I'll have to try again.

EQ FICO 548 3/3/16