• Report: #759667

Complaint Review: American Express

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  • Submitted: Tue, August 02, 2011
  • Updated: Tue, August 02, 2011

  • Reported By: Bobby — Hampton Virginia United States of America
American Express
P.O BOX 981537 EL PASO, Texas United States of America

American Express SEVERAL UNAUTHORIZED CREDIT REPORT CHECKS EL PASO, Texas

*Consumer Comment: Credit Checks

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 On several ocassions 07/23/2011, 07/14/2011, 06/30/2011, 06/06/2011 and 02/27/2011 American Express performed unauthorized credit report checks on me via Experian credit reporting agency. 

This report was posted on Ripoff Report on 08/02/2011 08:28 AM and is a permanent record located here: http://www.ripoffreport.com/r/American-Express/EL-PASO-Texas-79998/American-Express-SEVERAL-UNAUTHORIZED-CREDIT-REPORT-CHECKS-EL-PASO-Texas-759667. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 1Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Credit Checks

AUTHOR: Robert - (U.S.A.)

There are a couple of different types of Credit Checks

A "Soft Inquiry" is on that is used for things such as "Pre-Approvals".  They only get a limited amount of information based on broad selection criteria.  Because this is not an actual request by you these have zero effect on your credit report or score, and are only seen by you.   You can stop these "Pre-Screen" type of inquiries by going to optoutprescreen.com.  If by some chance the site is redacted you can search "opt out pre screen" (but take out the spaces) in your favorite search engine.  This is a free service by the Credit Reporting Agencies so if you end up at a site that is charging you..you are at the wrong one.

Then there is a "Hard Inquiry".  This is where you have specifically requested credit.  Since this is a request for Credit it can effect your Credit Report and Score.  It is also seen by other creditors.  However, inquiries are a very small fraction of your overall score so a few inquiries is going to have minimal impact on your overall score.

Now, there is also cases when you have something like a credit card you give them authorization(per the terms) for them to do periodic credit checks.  These checks can also be triggered if you are delinquent and they want to try and obtain more current information on you.

If you don't have AmEx, never applied for Credit and this is a "Hard Inquiry" you may be a victim of Identity Theft and need to investigate it further.
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