Amex inquires

[Anonymous]

Okay guys so I have two amex cards and am looking into getting the spg soon however how do I know if amex has soft pulled me recently or not because I don't need another hard inquiry? I pay for my experian report but when I look at inquires I don't see anywhere if it started whether or not the inquiry is hard or soft pull.. Sorry if this a dumb question but in just not sure. Thanks guys

[koalablue]

If Amex approves you for the SPG, it will definitely be another hard pull. If they decline you, its a soft pull.

[Anonymous]

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@Anonymous wrote:
Okay guys so I have two amex cards and am looking into getting the spg soon however how do I know if amex has soft pulled me recently or not because I don't need another hard inquiry? I pay for my experian report but when I look at inquires I don't see anywhere if it started whether or not the inquiry is hard or soft pull.. Sorry if this a dumb question but in just not sure. Thanks guys

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If you have the report directly from Experian, you'll see  'Requests Viewed Only By You'. If you do not see this section, you are not looking at a report directly from Experian but from their CMS. 

Current Amex customers will have a hp if approved for a new cc and a sp if denied. There have been some instances where current Amex cardholders receive a hp no matter what -YMMV. 

[Anonymous]

So if I get approved its a hard pull no matter what? How is it possible for them to choose whether or not if it's soft pull if it denied so fast

[Anonymous]

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@Anonymous wrote:
So if I get approved its a hard pull no matter what? How is it possible for them to choose whether or not if it's soft pull if it denied so fast

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Yes, it's a hp if approved. They use your most recent sp to see if you are 'likely' to be approved. The hp is then used to verify no changes since the sp