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Amex pulling TransUnion? [UPDATE]

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pizzadude
Credit Mentor

Re: Amex pulling TransUnion?


@bigman023 wrote:

If denied, how long before you can reapply?


 

You must wait 30 days from a denial before applying again.   If you app before the 30 days, your application will be cancelled.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 11 of 28
nickn86
Contributor

Re: Amex pulling TransUnion?

So just pulled my Experian, no inquiry from Amex.  Meaning they only pulled TransUnion (I checked Equifax earlier)

 

Strange...

Chase Sapphire Preferred - 5.6k (3/13) | Amex Premier Rewards Gold - NPSL (1/13) | Chase United MileagePlus Explorer Visa Signature - 9k (1/13) | Amex Delta Gold - 6k (9/12) | Citi Forward Visa - 10k (10/12) | Discover It - 2k (2/12) | Chase +1 Visa - $300 (2/11)
Message 12 of 28
jake619
Frequent Contributor

Re: Amex pulling TransUnion? [UPDATE]

I would have bet the farm on a triple pull. Maybe you have EQ and EX frozen?
Message 13 of 28
nickn86
Contributor

Re: Amex pulling TransUnion? [UPDATE]

Nope, not as far as I know.

 

Approval was also instant.  Is approval ever instant on a triple pull?

 

Maybe Amex is chaning their practices?  Or maybe they just had trouble accessing the Ex report for some other reason rather than it being frozen.

Chase Sapphire Preferred - 5.6k (3/13) | Amex Premier Rewards Gold - NPSL (1/13) | Chase United MileagePlus Explorer Visa Signature - 9k (1/13) | Amex Delta Gold - 6k (9/12) | Citi Forward Visa - 10k (10/12) | Discover It - 2k (2/12) | Chase +1 Visa - $300 (2/11)
Message 14 of 28
creditballer
Regular Contributor

Re: Amex pulling TransUnion? [UPDATE]

They pulled EX and TU on my recon..still denied.

Last App Oct 2013...applied and received Amex PRG and Blue Sky!
FICO -Walmart = 779
Credit Karma = 781
EX-766, EQ 772, TU-759
Goal: 800
Message 15 of 28
creditballer
Regular Contributor

Re: Amex pulling TransUnion?

didn't know about Credit Sesame...thanks

Last App Oct 2013...applied and received Amex PRG and Blue Sky!
FICO -Walmart = 779
Credit Karma = 781
EX-766, EQ 772, TU-759
Goal: 800
Message 16 of 28
djrez4
Established Contributor

Re: Amex pulling TransUnion?


@nickn86 wrote:

So just pulled my Experian, no inquiry from Amex.  Meaning they only pulled TransUnion (I checked Equifax earlier)

 

Strange...


Did you apply directly through the Amex website?  Through another website?

Message 17 of 28
youngandcreditwrthy
Senior Contributor

Re: Amex pulling TransUnion? [UPDATE]

My TU approval was instant! Had to do addy verification though!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 18 of 28
NewbieReed
Frequent Contributor

Re: Amex pulling TransUnion? [UPDATE]


@youngandcreditwrthy wrote:
My TU approval was instant! Had to do addy verification though!

Where do u live ? Do they pull diff CR in different states?

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge
Message 19 of 28
jake619
Frequent Contributor

Re: Amex pulling TransUnion? [UPDATE]


@nickn86 wrote:

Nope, not as far as I know.

 

Approval was also instant.  Is approval ever instant on a triple pull?

 

Maybe Amex is chaning their practices?  Or maybe they just had trouble accessing the Ex report for some other reason rather than it being frozen.


Kind of.  My triple pull landed me at TU.  I have verified EQ & EX were hit, too.  Initially I got the 7-10 day notice but then about a minute later I went to the status check URL and I was approved.  So I'd classify that as quasi-instant.  If I hadn't known about the check page I'd have probably apped for something else thinking the 7-10 day notice would end up bad for me.

Message 20 of 28
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