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@inquring_minds wrote:
I use TrueCredit and have not fiddled with any pre-approvals.
inquring_minds wrote:
Yes, waiting for a letter.
@Anonymous wrote:
@Anonymous wrote:
I don't think people here are talking about 'seeking so much credit' - they are talking about monitoring their own credit. THAT kind of inquiry. Plus the kind of inquiry that isn't initiated by them at all - either in the seeking of new credit or the checking of their own credit scores, but in the scouring of credit files for suitable new customers by 'certain' (*cough* Capital One! *cough*) CCCs.
We all know that 'many inquiries' of the 'seeking new credit' kind looks bad, just as we know that you've been an AmEx customer since 1908 or thereabouts. But the OP was told that despite not actually having any hard pulls on their file from having applied for any new credit in the last six months, they have too many inquiries in the last six months. What kind of inquiries is AmEx referring to, then? If AmEx thinks the OP is being an impertinent 'young'un' in daring to ask for a CLI without having been a customer since 1908 or thereabouts, then they should just say 'no, you shouldn't ask for CLIs too soon', or similar... not complain about inquiries that either don't exist or are a worrying sign of their finding something new to penalize customers for. (Daring to check their own credit - imagine, the sheer audacity of it!)
Message Edited by fevmlo on 07-29-2008 08:42 PM1908 lol..............lol
fevmlo wrote:
We all know that 'many inquiries' of the 'seeking new credit' kind looks bad, just as we know that you've been an AmEx customer since 1908 or thereabouts. But the OP was told that despite not actually having any hard pulls on their file from having applied for any new credit in the last six months, they have too many inquiries in the last six months. What kind of inquiries is AmEx referring to, then? If AmEx thinks the OP is being an impertinent 'young'un' in daring to ask for a CLI without having been a customer since 1908 or thereabouts, then they should just say 'no, you shouldn't ask for CLIs too soon', or similar... not complain about inquiries that either don't exist or are a worrying sign of their finding something new to penalize customers for. (Daring to check their own credit - imagine, the sheer audacity of it!)
Watchmann wrote:
fevmlo wrote:
We all know that 'many inquiries' of the 'seeking new credit' kind looks bad, just as we know that you've been an AmEx customer since 1908 or thereabouts. But the OP was told that despite not actually having any hard pulls on their file from having applied for any new credit in the last six months, they have too many inquiries in the last six months. What kind of inquiries is AmEx referring to, then? If AmEx thinks the OP is being an impertinent 'young'un' in daring to ask for a CLI without having been a customer since 1908 or thereabouts, then they should just say 'no, you shouldn't ask for CLIs too soon', or similar... not complain about inquiries that either don't exist or are a worrying sign of their finding something new to penalize customers for. (Daring to check their own credit - imagine, the sheer audacity of it!)
1908, yeah, that's a good one. :-) But don't just ignore my REAL history with AMEX out of hand. It's based on dealing with them over many years. I do have an idea on how their corporate systems work, what they like, and what makes them skittish.Yes, I know the OP was talking about doing his own pulling, but can we say for 100% that AMEX doesn't have get sort of feedback from the FICO model even on soft inquiries? We don't know exactly what relationship AMEX has with the CRA's. There are many business relationships in the credit game, and there is a two way street here. Both the CRA's and credit provider's have needs.
Watchmann wrote:Yes, I know the OP was talking about doing his own pulling, but can we say for 100% that AMEX doesn't have get some sort of feedback from the FICO model even on soft inquiries?
Watchmann wrote:We don't know exactly what relationship AMEX has with the CRA's.
Watchmann wrote:It may not be the exact number of soft inquiries, but there may be some other indicatorthat is provided that does not run afoul of the law.
@Watchmann wrote:@Anonymous wrote:
We all know that 'many inquiries' of the 'seeking new credit' kind looks bad, just as we know that you've been an AmEx customer since 1908 or thereabouts. But the OP was told that despite not actually having any hard pulls on their file from having applied for any new credit in the last six months, they have too many inquiries in the last six months. What kind of inquiries is AmEx referring to, then? If AmEx thinks the OP is being an impertinent 'young'un' in daring to ask for a CLI without having been a customer since 1908 or thereabouts, then they should just say 'no, you shouldn't ask for CLIs too soon', or similar... not complain about inquiries that either don't exist or are a worrying sign of their finding something new to penalize customers for. (Daring to check their own credit - imagine, the sheer audacity of it!)1908, yeah, that's a good one. :-) But don't just dismiss my REAL history with AMEX out of hand. It's based on dealing with them over many years with many communications with them in one form or another. I do have an idea on how their corporate systems work, what they like, and what makes them skittish.Yes, I know the OP was talking about doing his own pulling, but can we say for 100% that AMEX doesn't have get some sort of feedback from the FICO model even on soft inquiries? We don't know exactly what relationship AMEX has with the CRA's. There are many business relationships in the credit game, and there is a two way street here. Both the CRA's and credit provider's have needs. It may not be the exact number of soft inquiries, but there may be some other indicator that is provided that does not run afoul of the law.
Message Edited by Watchmann on 07-29-2008 10:06 PM