Are you paying for a credit monitoring service through them or somesuch? I'd carefully look through any statements, then call and inquire.

Not from AMEX!

I agree call the one/s that you use. Probably you will find that it is part of AMEX.

If you paid off something like a car or house it will lower your credit score. I do agree that you should check into the reason but this is the most common followed by credit card utilization and/or opening credit accounts.

My "credit score" was really lowered (as was explained by the Credit score disclosure for a refi that closes in the next week or so) I had too many inquiries in the last 12 months. Paid off a car in 2014, so that has no impact on the score. Mind you, I have great scores (800+) and rarely carry a balance, haven't opened any new ones in years.

I googled it and it seems that there are many complaints and explanations regarding AMEX repeatedly pulling credit. I have twice called and the first time there were no circuits available and the second time I called at 5:29 and they close at 5:30.

maifleur may have it right - I had a department store card that moved over the AMEX, which I then canceled (years ago). Oh well, first world problems...

Amex constantly does Financial Review and Account Review pulls. These do not effect your credit. If they are effecting your credit, then the credit bureau has made a mistake.

If you got these pulls from a financial institution, it sounds like the financial institution pulled the wrong credit. AmEx A/R and F/R pulls are usually not viewable on a hard pull report and are there to let consumers know who has been making account inquiries. But are only viewable by consumers and are removed from the credit report that is issued to businesses.

With an 800+ I find it hard to believe that it is having an impact on your score. Ten pulls in a year would drop your score 25 points and you would have to have a perfect score to still have above an 800. Also if you have a score above 800 and you don't think anyone is trying to steal your identity, relax and get a hobby, it obviously isn't hurting you.

A credit card cancelled years ago would not have effected the drop. I should have been more specific and mentioned that the drop should have been within the last year. An interesting side note about things staying on your credit report. I obtained a JC Penny account in 1969 and closed it in 2005. It still shows on the Transunion report. It does not show on the other credit reports. I credit having that account for being able to receive low interest car loans and other credit. At the time I received it single females just did not have credit cards except for those using a Father's account. Although Bry911 states scores over 800 you should just relax with a drop the 5 point drop I received did effect the cost of my car and house insurance. Bry mentioned a 25 pt drop but I did not see that number in any of the remaining posts. You should be aware that the credit reports that you receive are not your FICO report. The FICO report is based on other things along with the credit scores. I was told this in 1993 so companies may now only use the credit reports for loans.

Although Bry911 states scores over 800 you should just relax with a drop the 5 point drop I received did effect the cost of my car and house insurance.

Car insurance uses a different score and credit pulls typically don't change the score. Home insurance can change because of credit pulls but it is a fairly minor change. In either situation an 800 FICO without a lot of credit card debt as the OP stated will return insurance scores close to 950, anything above an 800 is going to keep you in the lowest rate. In fact, it is hard to have a bad insurance pull with credit above a 720.

Bry mentioned a 25 pt drop but I did not see that number in any of the remaining posts.

A hard pull drops your credit between 2 and 4 points per pull for 1 year with old pulls sometimes having a diminished effect. The higher and lower your score the higher the effect on your credit, additionally if you have old pulls but no recent pulls that doesn't hurt your score as much as old pulls plus recent pulls. In other words consistently pulling your credit hurts more than the same number of pulls at one time then a long break.

It is impossible to accurately calculate the effect of a monthly hard pull but we can guess that at an 800+ credit score it is somewhere between 20 and 30 points.

Bry mine had nothing to do with pulls but with paying off the house. I even called the credit reporting company that was mentioned in the letter from my insurance company explaining the increase and verified it.

nycefarm- AMEX, like many card companies, is aggressive in marketing. They're pulling your credit, monthly, simply because you haven't locked it. See if you're worthy of further marketing.

If you want that to go away, do the simple steps: To to all three major credit reporting agencies. Request to lock your credit. It (used to) cost nothing to do this, upfront. You get a password, and in the event you are looking for credit (mortgage, car loan etc) you can call, get in "unlocked" for a small fee. And then lock it up again, when you're done.

Credit consumers must understand that when you leave yourself "open to offers", you also leave yourself open to all checks from these sorts of companies.