three credit report – credit bureaus

Does anyone know which credit bureau American Express uses to review your credit history?

December 10th, 2009 admin

Kevin V asked:


I want to apply for an Amex credit card, but would first like to know which of the three credit bureaus is used determine credit worthiness. I am curious because all three of my credit scores are significantly different.

Ella

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Posted in Credit Tags: American Express, Amex, Amex Card, Amex Credit Card, Credit Bureau, Credit Bureaus, Credit History, Credit Scores, Credit Worthiness

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3 Responses to “Does anyone know which credit bureau American Express uses to review your credit history?”

1. echo says:

   December 14, 2009 at 5:33 am

   Nicole

   They seem to prefer pulling Experian the most.
   Equifax seems to be their distant second choice.
   Trans Union seems to be their very, very distant third choice.

   Your miles may vary, but the chances that they will pull Experian is greater then the chance they will pull one of other two.

   For current account holders, Amex uses Experian on a fairly regular monthly basis to do soft pulls for the basic account checks and for (ugh) account reviews.
2. Josh K says:

   December 14, 2009 at 8:46 pm

   Tina

   It probably differes, I would contact the branch you are applying to and see. Or look at the number on the paper application and ask which bureau they pull their reports from.
3. Jen says:

   December 16, 2009 at 4:52 am

   Alex

   Experian is the primary choice by Amex.
   If your Experian is blocked, they will pull Trans Union or Equifax.