CCCs monitor credit after pre-qual?

[Desmoire]

Lets say I attempt the pre-qual with AMEX, and it comes back with, "sorry, we couldn't find any offers at this time." -- Do they continue to SP my credit every so often afterwards to see if i qualify?

[Anomalous]

Yes. Well, at least in my experience.  I've even gotten an offer in the mail after not getting prequalified on their site. Go figure...

[skigirl916]

IME, yup!

Anyone know what AMEX is on my CRs when they SP?  I see tons of lenders, but never AMEX. It's like they don't even know I'm alive.

[wacdenney]

I got denied recently by Discover.  I have no idea why but they wont even give me a low limit to see how it goes.  4 days later they softed my EQ.  It makes no sense at all, but I'm hoping to get a mailer from them as a result of the SP.

[Anonymous]

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@skigirl916 wrote:

IME, yup!

Anyone know what AMEX is on my CRs when they SP?  I see tons of lenders, but never AMEX. It's like they don't even know I'm alive.

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AMEX has definitely SP'd me. Showed up as American Express, El Paso, TX under "promotional inquiries". Was on my TU and EX. Not sure about EQ.

[skigirl916]

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@Anonymous wrote:

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@skigirl916 wrote:

IME, yup!

Anyone know what AMEX is on my CRs when they SP?  I see tons of lenders, but never AMEX. It's like they don't even know I'm alive.

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AMEX has definitely SP'd me. Showed up as American Express, El Paso, TX under "promotional inquiries". Was on my TU and EX. Not sure about EQ.

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Interesting.

Even when I try the PQ site, they don't SP me.

[Anomalous]

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@skigirl916 wrote:

IME, yup!

Anyone know what AMEX is on my CRs when they SP?  I see tons of lenders, but never AMEX. It's like they don't even know I'm alive.

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SPs from AMEX and AMEX 2 on my EX reports. They had been doing so monthly for about a year. 

[Anonymous]

This is interesting, and good to know. I am currently doing the same thing the OP is and seeing how AMEX feels about me at the moment.

Incidentally, they came back with the same "no special offers" reply when I did the pre-qual. (probably due to high util)

Should be interesting to see If I get anything in the mail in the next few months.

[Desmoire]

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@Anonymous wrote:

This is interesting, and good to know. I am currently doing the same thing the OP is and seeing how AMEX feels about me at the moment.

Incidentally, they came back with the same "no special offers" reply when I did the pre-qual. (probably due to high util)

Should be interesting to see If I get anything in the mail in the next few months.

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Exactly. I'm itching to be an AMEX cardmember but im in the weeds right now so im not apping unless i get a pre-qual.

[sccredit]

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@Desmoire wrote:

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@Anonymous wrote:

This is interesting, and good to know. I am currently doing the same thing the OP is and seeing how AMEX feels about me at the moment.

Incidentally, they came back with the same "no special offers" reply when I did the pre-qual. (probably due to high util)

Should be interesting to see If I get anything in the mail in the next few months.

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Exactly. I'm itching to be an AMEX cardmember but im in the weeds right now so im not apping unless i get a pre-qual.

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Get your utilization down and I would think your scores would close enough for a revolver.  You probably aren't too far off from a charge card now.