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Amex soft pull

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Omw800
Contributor

Amex soft pull

How can you tell when American Express does a soft pull on your credit report??

Starting Score: 640
Current Score: 697
Goal Score: 750


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Message 1 of 6
5 REPLIES 5
LearningMoreAboutCredit
Frequent Contributor

Re: Amex soft pull


@Omw800 wrote:

How can you tell when American Express does a soft pull on your credit report??


They will look like this: 

 

AMEX ACCOUNT REVIEW
Address:
PO BOX 981537
EL PASO TX 79998
(800) 874-2717
Date of Request:
01/05/2014

 

or:

 

AMERICAN EXPRESS CO
Address:
PO BOX 981537
EL PASO TX 79998
(800) 874-2717
Date of Request:
12/30/2013


AMERICAN EXPRESS 2
Address:
PO BOX 981537
EL PASO TX 79998
(800) 874-2717
Date of Request:
12/12/2013

 

 This information will be under the section "Inquiries Shared Only With You"


Any advice given is always YMMV...

Current FICOs: 740+ across the board | Goal: >760 FICO | Total CLs: $63.3k/$60k Goal | Utilization: 19% | Last App: 05/01/2014 | INQ: EX: 10, EQ: 8, TU: 5, All Expire 06/2016; No Collections/Charge Offs/BK's | AAoA: 7yrs.
| All Reports Frozen!!! | No Apps til 12/2015 | Homeowner since: 06/28/13 | White Whales: Marriott Rewards, Discover IT, Sallie Mae WMC, Sams MC
Message 2 of 6
Omw800
Contributor

Re: Amex soft pull

Does experian provide that or creditkarma

Starting Score: 640
Current Score: 697
Goal Score: 750


Take the myFICO Fitness Challenge




Message 3 of 6
LearningMoreAboutCredit
Frequent Contributor

Re: Amex soft pull


@Omw800 wrote:

Does experian provide that or creditkarma


That information will be seen on your reports.  CreditKarma doesn't provide detailed information at all from my experience with them.


Any advice given is always YMMV...

Current FICOs: 740+ across the board | Goal: >760 FICO | Total CLs: $63.3k/$60k Goal | Utilization: 19% | Last App: 05/01/2014 | INQ: EX: 10, EQ: 8, TU: 5, All Expire 06/2016; No Collections/Charge Offs/BK's | AAoA: 7yrs.
| All Reports Frozen!!! | No Apps til 12/2015 | Homeowner since: 06/28/13 | White Whales: Marriott Rewards, Discover IT, Sallie Mae WMC, Sams MC
Message 4 of 6
Omw800
Contributor

Re: Amex soft pull

ok thank I'll sign up for my Fico  monthly monitoring 

Starting Score: 640
Current Score: 697
Goal Score: 750


Take the myFICO Fitness Challenge




Message 5 of 6
LearningMoreAboutCredit
Frequent Contributor

Re: Amex soft pull


@Omw800 wrote:

ok thank I'll sign up for my Fico  monthly monitoring 


If you have an EX report # less than 90 days old, you can check through the backdoor here: http://www.experian.com/consumer.html under "view your reports again".  It is in real-time and free.


Any advice given is always YMMV...

Current FICOs: 740+ across the board | Goal: >760 FICO | Total CLs: $63.3k/$60k Goal | Utilization: 19% | Last App: 05/01/2014 | INQ: EX: 10, EQ: 8, TU: 5, All Expire 06/2016; No Collections/Charge Offs/BK's | AAoA: 7yrs.
| All Reports Frozen!!! | No Apps til 12/2015 | Homeowner since: 06/28/13 | White Whales: Marriott Rewards, Discover IT, Sallie Mae WMC, Sams MC
Message 6 of 6
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