They checked my Experian report (I have AmEx green, they do account reviews on EFX and TU routinely). The Experian score I was getting at the time was 705. The inquiry knocked it down to 695. I have no other inquiries in the past 6 months, 6 inquiries in the last 2 years. At that time I had about 70% of CL's available (30% usage)..
That's not true, my uncle has a foreclosure on his record from 5 years ago, and Amex Blue approved him no prob.
They checked Equifax for me score was 657 with over 20 inquiries, but no lates and no negatives at all. They did call and I had to fax a pay stub to them. Hope that helps.
