How can I tell if Amex is soft pulling me?

renclan · ‎02-27-2015

I haven't had any alerts about new inquiries..if they do a soft pull, will my fico alert me? I am trying to figure out if they see that I have paid down a chunk of cc debt before I apply for the 3 x cli. Thanks!

Current FICO Scores: EQ 770, Trans 753, Exp 759
MyFICO Starting Scores/2015: EQ 677, Trans 695, Exp 674

Amex Blue Cash $21,500. Amex Everyday $11,300. Citi Double Cash $14,050. Cap One Quicksilver 11,800. Discover It $27,800. Chase Slate $5200. Chase Sapphire $10,000. Care Credit $2800. Wells Fargo $1500. Vic Sec $5380. Kohl's $2500. Old Navy $7500. Macy's $7000. Walmart $7500.

Anonymous · ‎02-27-2015

You have to pull direct from the bureus as far as I know. You can either use annualcreditreport.com or you can go direct to the ex, tu and eq sites and request one if you've had any negative action against you recently.

RobertEG · ‎02-27-2015

You can also request any information of record in your credit file by sending a request under FCRA 609(a).

That would include any requests for your credit report, soft of hard.

Such requests must be accompanied by proof of your identity, and the processing fee authorized under FCRA 612(f), which is currently $11.00.

renclan · ‎02-28-2015

@Anonymous wrote:
You have to pull direct from the bureus as far as I know. You can either use annualcreditreport.com or you can go direct to the ex, tu and eq sites and request one if you've had any negative action against you recently.

Thanks!

Current FICO Scores: EQ 770, Trans 753, Exp 759
MyFICO Starting Scores/2015: EQ 677, Trans 695, Exp 674

Amex Blue Cash $21,500. Amex Everyday $11,300. Citi Double Cash $14,050. Cap One Quicksilver 11,800. Discover It $27,800. Chase Slate $5200. Chase Sapphire $10,000. Care Credit $2800. Wells Fargo $1500. Vic Sec $5380. Kohl's $2500. Old Navy $7500. Macy's $7000. Walmart $7500.

renclan · ‎02-28-2015

@RobertEG wrote:
You can also request any information of record in your credit file by sending a request under FCRA 609(a).
That would include any requests for your credit report, soft of hard.
Such requests must be accompanied by proof of your identity, and the processing fee authorized under FCRA 612(f), which is currently $11.00.

Do I send the request to the bureau?

Current FICO Scores: EQ 770, Trans 753, Exp 759
MyFICO Starting Scores/2015: EQ 677, Trans 695, Exp 674

Amex Blue Cash $21,500. Amex Everyday $11,300. Citi Double Cash $14,050. Cap One Quicksilver 11,800. Discover It $27,800. Chase Slate $5200. Chase Sapphire $10,000. Care Credit $2800. Wells Fargo $1500. Vic Sec $5380. Kohl's $2500. Old Navy $7500. Macy's $7000. Walmart $7500.

Anonymous · ‎02-28-2015

@renclan wrote:
@RobertEG wrote:
You can also request any information of record in your credit file by sending a request under FCRA 609(a).
That would include any requests for your credit report, soft of hard.
Such requests must be accompanied by proof of your identity, and the processing fee authorized under FCRA 612(f), which is currently $11.00.
Do I send the request to the bureau?

Yes