Pre-Selected Hard Pull?

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cc21
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Pre-Selected Hard Pull?

Postby cc21 » Fri Jul 22, 2011 12:40 pm

Does typing your information and ssn# into the Amex website to see if they have any offers for you result in a hard pull?

Checked a few months ago and they didn't have any offers for me. Checked this month and now they do. Did those two times I requested to see offers hurt my credit score?


LTomBerry
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Postby LTomBerry » Fri Jul 22, 2011 2:52 pm

Amex's preselector doesn't pull your credit; it merely checks against their own records to see if you have a pre-approved offer waiting from any previous promotional inquiries they have made. If it pulls anything it is a soft pull, you will not get a hard pull until you actually apply for a card.

cc21
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Postby cc21 » Fri Jul 22, 2011 5:05 pm

Thanks for the info. I just got a little worried because usually when a someone requests your ss# some kind of credit check is going to take place....so I just wanted to make sure it wasn't a hard pull.



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