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Amex using 30 day old CB report for apps

Established Contributor

Amex using 30 day old CB report for apps

I have read that Amex uses approx. 30 day old reports when making credit decicions. Is this only for current members, or for someone who is not or never a member? or what about if someone was an AU, but currently isn't?




Message 1 of 4

Re: Amex using 30 day old CB report for apps

For current members, amex uses existing SP on file (mostly).
For new apps, if you do not have amex, it will be a fresh EX HP on the day you apply.
AU status has no bearing on either case scenario.
Message 2 of 4
Established Contributor

Re: Amex using 30 day old CB report for apps

I apped in November. I am not a member and Amex pulled my most recently updated score, which at the time was EX 621. My EX updated the day prior to me apping.
Sept 18: EQ: 578 TU: 583 EX: 576
Sept 19: EQ8: 640 TU8: 645 EX8:640 April 20': EQ8: ??? TU8: 680 EX8: 673
Goal by June 2022: First Time Home Buyer

Goal Completed: Auto Lease 2020 Mazda CX-5 No Income Verification

The Line Up
Marriott Bonvoy: $5000
Amazon Prime Now Sig: $2800
CITI Costco: $5500
CITI Double Cash: $6100
Navy Rewards: $2400
Amex Delta Plat: $1700
Amex Hilton Honors: $1000
Target Red Card: $2000
Victoria Secret Gold: $1200
HSN: $2500
Overstock: $4250
Kohls: $1500
Capital One: $2750
Capital One #2: $500

Penfed Personal Loan: $20K
NFCU Secured Loan: $285

Total CL:$38,700
Total UTL: 25%
Current Scores: EQ: 698 TU: 706 EX: 696
Message 3 of 4
Super Contributor

Re: Amex using 30 day old CB report for apps

Once you have an AMEX card, AMEX SP your reports on a regular basis. It is part of their risk management algorithms. It may turn out that if you ask for a CLI, or app another card with them, the last SP could be two days ago, or up to 60 days ago. That is one of the reasons for the suggestion to wait 61 days after first card to ask for CLI, because it gives their SP check time to update latest scores.
High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
Message 4 of 4
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