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[Music] whats up youtube welcome back to the walla monkey channel where we give you all the credit intel you need to grow your wallet today were going to talk about uh by far one of the most important things we could be discussing which is american express and a bombshell i guess you could say revelation that i dont think a lot of people have really pieced together and that is this sometime in early 2020 till now american express changed their rule now how it used to be is i could go and get a personal account i could go and do a dba under my name and each time it would be a separate um hard pull on your credit after you were approved um this changed sometimes but for the most part is you could go pre-call and then if you accepted the offer youd get a hard pull and then if you went and even pged under a different business name they would hard pull i noticed for a fact because at the end of 2019 we were still doing this and we were still getting hard pulls for this right like i rem