Soft pull from Amex and Chase ...

[Anonymous]

When I checked the report from Experian of my finished Dispute of accounts not closed yet I saw on the bottom section of the report that Amex and Chase did a soft pull on my Experian credit report. Both of my Amex CC (PRG and BCP) were opened 9/18 as well as my Chase CSP last 9/18. Approximately 38 days for Chase (10/26) and 40 days for Amex (10/28) that they both Soft pull my EX report. Should I be alarm of these Soft pulls from Chase and Amex? Or this is just routine checks from banks after getting approved for their CCs?

[Skye12329]

Its pretty routine for a bank to just SP your credit. Amex is known to SP your report quite a bit when a new account with them has been opened.

[Anonymous]

Were you approved for low SLs and high APRs for either of these cards? Have your spend patterns changed? Has anything changed on your credit profile?

[Anonymous]

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@Skye12329 wrote:
Its pretty routine for a bank to just SP your credit. Amex is known to SP your report quite a bit when a new account with them has been opened.

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Thank you.

[Anonymous]

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@beautifulblaquepearl wrote:

Were you approved for low SLs and high APRs for either of these cards? Have your spend patterns changed? Has anything changed on your credit profile?

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[takeshi74]

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@Anonymous wrote:

Should I be alarm of these Soft pulls from Chase and Amex? 

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No.  Your credit profile continues to matter beyond the approval.  Creditors will routinely check your credit and take action as they see it to be justified.  This is how, for example, you get auto CLI's.  It's also how they determine if there's risky activity with your profile that indicates to them that they need to take adverse action.

[Anonymous]

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@takeshi74 wrote:

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@Anonymous wrote:

Should I be alarm of these Soft pulls from Chase and Amex? 

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No.  Your credit profile continues to matter beyond the approval.  Creditors will routinely check your credit and take action as they see it to be justified.  This is how, for example, you get auto CLI's.  It's also how they determine if there's risky activity with your profile that indicates to them that they need to take adverse action.

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Thank you for your input

[CreditCuriosity]

Also keep in mind Amex will SP your Experian monthly for Fico scores as well..  Chase will keep an eye on your with regards to Experian as well. Haven't seen Chase spying on me on Equifax or TU for that matter, just Exp..  Amex has taken a look at my EQ and TU I believe once?

[Anonymous]

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@CreditCuriousity wrote:

Also keep in mind Amex will SP your Experian monthly for Fico scores as well..  Chase will keep an eye on your with regards to Experian as well. Haven't seen Chase spying on me on Equifax or TU for that matter, just Exp..  Amex has taken a look at my EQ and TU I believe once?

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I should try to keep my EX Fico scores decent then to avoid any AA?

[CreditCuriosity]

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@Anonymous wrote:

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@CreditCuriousity wrote:

Also keep in mind Amex will SP your Experian monthly for Fico scores as well..  Chase will keep an eye on your with regards to Experian as well. Haven't seen Chase spying on me on Equifax or TU for that matter, just Exp..  Amex has taken a look at my EQ and TU I believe once?

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I should try to keep my EX Fico scores decent then to avoid any AA?

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You always want to keep your scores decent whatever CRA it is, not just due to possible AA ..