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Discussion in 'Credit Talk' started by D.daily, Nov 20, 2011.
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I don't know of any way you can freeze or prevent credit card company from pulling one specific bureau. As far as I know you will have to apply for your Amex Blue card the same way everyone else does. If you want a fast way to increase your credit score. Ask a friend or family member to add you as an authorized user to one of their existing credit card account. Just make sure they have perfect payment history and can maintain a low balance (10% or less of the credit limit). Thanks! Heather with BoostMyScore.NET
I've never done it myself, but I believe you can place a freeze on just one credit report. How do you know Amex wouldn't pull your TU FICO score though? They do that from time to time. In fact, if you have one of your credit reports frozen and they try to pull it, they may simply deny your application or want to know more specifics about why the report is frozen in the first place.
Why the big discrepancy in your FICO scores? Do you have a negative account that's just not reporting on Equifax?
joshua your right i have one neg on both EX and TU i was told that amex pulls credit reports according to your state out here new jersey new york area they pull EX but they're people on forms that say amex pulled their EQ never listed the state tho but joshua you sound right amex may deny me simply because they couldn'tsee the report they wanted makes sense
if any one had amex pull your EQ can you please tell me where you live
i never heard of them pulling TU but with my luck they just might
What did you end up doing? Did you just go ahead and apply to see which credit report they would pull?
im a chicken scary cat i didn't apply yet i applied 7 months and was denied so right now im putting season trade lines on my report like au accounts from my mother and a couple of friends that should boost my history i will def post and let you know results
Be very careful with the friends' AU accounts. Make sure they're really someone you can trust!
Y do you say be careful. I know there in good standing with the companies. Please if you know something I dont please inform me.
They may be in good standing now, but if they ever miss a payment or two it will hit your credit reports and immediately impact your credit scores. Just make sure you can really trust them, and once your scores are where you want them, it's generally a smart idea to remove yourself as an AU from those accounts.
thanks. one more ? do you think amex will renege on me and take the card back when they do there periodical check on there customers credit report i was told they do that just wondering and josh thanks so much for the convo you've been very helpful ill be sure to post at the middle of the month when i take the chance
when i remove the au's
All credit issuers have the power to close your account at any time. And yes, most will perform periodic reviews of your account to make sure there aren't any red flags that pop up.
However, removing your AU accounts shouldn't be viewed as a red flag. Besides, I wouldn't recommend removing them anyway until you've sufficiently built up your scores and added some credit cards of your own to your credit profile.
Basically, you don't want to rely on the AU accounts for longer than you have to. Use them now to help boost your credit scores in the short term, and then the whole point is to help you gain access to credit so you can start building positive payment history on your own.