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Does AMEX pull current credit report?

Does AMEX pull current credit report?

Curious, does AMEX pull your CURRENT credit report and score for a new card?

 

I feel like I might have read they pull about a month behind, but I am not sure.

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5 REPLIES 5
simplynoir
Community Leader
Super Contributor

Re: Does AMEX pull current credit report?

If you're a new customer, it's a fresh report

If you're a current customer, yes they may use the SP report from last month if it hasn't been updated yet

 

What I would recommend is wait til they process the month's free EX score they provide before applying for any cards if you're expecting a score bump

Message 2 of 6

Re: Does AMEX pull current credit report?

@simplynoir thank you!

You only see their free EX score if you are already a customer, right?

Message 3 of 6
simplynoir
Community Leader
Super Contributor

Re: Does AMEX pull current credit report?


@oooohnonotagain wrote:

@simplynoir thank you!

You only see their free EX score if you are already a customer, right?


Correct. They have two versions now though

 

One of them is a Vantage score that can be access from Dashboard or by clicking Account Services which is the one you don't want. The EX FICO 08 score is at Account Services -> Profile, from there you should see the option at the bottom called View FICO Score. That one is your FICO score and is one you should care about

Message 4 of 6
FalconSteve
Established Contributor

Re: Does AMEX pull current credit report?

This seems to be hit or miss, but I would wait if you were expecting a bump and expect either.

SoFi World Elite MC (TBOM) $7000 SL
REDcard $2500 SL
AmEx Cash Magnet $10k SL, CLI after 36hr to $20k
BB&T $11k SL- impulse application
BB&T $11k SL- AU, not on reports- impulse app (wife's card)
Discover $6300 CL- $1k SL- AU, no longer on reports b/c of error (wife's card)
Citi Double Cash WEMC $2900 SL, $4400 CL- AU- (wife's card)
AmEx Cash Magnet- $3100 SL, $9300 CL (wife's card)
BoA Cash Rewards $11k CL- AU (Dad's card)
BoA Premium Rewards $12.3k CL- AU (Dad's card)
PSECU Founder's Card $30k SL- AU (Dad's card)
AmEx Cash Magnet $12.5k SL- AU (Dad's card)
Wells Fargo Propel AmEx- $2500 SL, $3200 CL (AU, wife's card, not on CR b/c I was temporarily removed as an AU)

All PIF, frequently before statement close

Goals: Buy a house & get approved for an AOD VISA Signature card (or other 3% cashback)
Closed accounts (I had a long period of inactivity): AmEx clear, Citi ThankYou (previously Driver's Edge), Chase Freedom, Cap One, Discover IT, Lowes Charge (really stupid, huge limit), my 1st REDcard, Buy.com Visa, Children's Place, Kohl's Charge, Angel Card (AU- wife's), Old Navy card
Message 5 of 6
MaizeandBlue
Senior Contributor

Re: Does AMEX pull current credit report?

There appears to be some confusion in the replies.

 

For existing customers, Amex usually makes it underwriting decisions using the credit scores that are pulled when they perform their monthly account review(s). 

 

The FICO score shown in your online account is not immediately used for underwriting decisions.  This score is usually updated on the first day of each new monthly cycle, or more frequently if you have multiple Amex accounts.  The only way to determine the date Amex does its soft pulls for account review is to either (1) check your Experian credit report, or (b) use the date shown in any adverse action/denial letter you might have received from Amex since the pull tends to occur on the same day each month.

 

This is the reason why it is usually advised to wait a month after your score updates in your online account before applying; so that a new account review soft pull can occur.





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