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Amex Optima Card Hard Pull?

TenaciousRebuilder
New Contributor

Amex Optima Card Hard Pull?

Not sure if this thread should be here or in applications?

 

Last month, I finished paying off an old Amex charge-off. They sent me an application for an Optima card and i dropped it in the mail yesterday. I have a freeze on all 3 credit bureaus and am wondering which one I should lift, as I assume there will be a hard pull. I spent the last hour one the phone with various Amex departments with no luck.

Message 1 of 6
5 REPLIES 5
chuckwood
Regular Contributor

Re: Amex Optima Card Hard Pull?

Usually they are know to go for experian. Good Luck!!

Message 2 of 6
JoeRockhead
Valued Contributor

Re: Amex Optima Card Hard Pull?

It's not uncommon for Amex to pull both EX and TU. 

Message 3 of 6
prologue
Member

Re: Amex Optima Card Hard Pull?


@TenaciousRebuilder wrote:

Not sure if this thread should be here or in applications?

 

Last month, I finished paying off an old Amex charge-off. They sent me an application for an Optima card and i dropped it in the mail yesterday. I have a freeze on all 3 credit bureaus and am wondering which one I should lift, as I assume there will be a hard pull. I spent the last hour one the phone with various Amex departments with no luck.


Was there a contact number on the mailing? They told me it got discontinued last year 

Message 4 of 6
FireMedic1
Community Leader
Mega Contributor

Re: Amex Optima Card Hard Pull?


@prologue wrote:

@TenaciousRebuilder wrote:

Not sure if this thread should be here or in applications?

 

Last month, I finished paying off an old Amex charge-off. They sent me an application for an Optima card and i dropped it in the mail yesterday. I have a freeze on all 3 credit bureaus and am wondering which one I should lift, as I assume there will be a hard pull. I spent the last hour one the phone with various Amex departments with no luck.


Was there a contact number on the mailing? They told me it got discontinued last year 


@prologueIts by invitation only which @TenaciousRebuilder got in the mail.



Homeowner Sept 2020. 2021 Explorer ST Chase 3.1%. Sharing my recovery after BK from learning here. Started 540's. EX FICO 9 801 as of 05/03/2023. I stayed around to pay it forward for those who helped me back then.
Message 5 of 6
laurenjessica
Frequent Contributor

Re: Amex Optima Card Hard Pull?

I got an EX/TU combo pull when I applied for my Optima last August. Good luck!

Credit cards:
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Store Cards:
Credit-Card-Large61d9c1a7-5683-4228-8bb4-c2747006069dAPSC-SECUREDCARD-CB658179059Kohls-CC-no-egt-SM-RGBpinkimg093647Paypal-Credit-Logo-Ameri-Commerce
Auto loan:
toyota

Actively rebuilding since August 2022.

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Message 6 of 6
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