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RM4PointRewards
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Which credit bureau does Amex use?

Postby RM4PointRewards » Wed Aug 17, 2011 1:34 pm

(Updated 2013) Hello everyone,

I was approved for the spg card recently and had mid 700's for Trans U and E'fax from myFico.com. However on reading more forum threads, I noted that someone mentions that Amex uses 'EX' to check eligibilty of their candidates. Can someone please tell me what this is. I of course Google'd it... :) but did not find anything.

What is the credit bureau that they use? I would be most grateful if you all could shed some light on this or guide me to a forum where it was previously discussed :)

Thank you!

RM


DGenerateKane
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Postby DGenerateKane » Wed Aug 17, 2011 3:59 pm

"EX" would be Experian (http://www.experian.com/) the third Credit Bureau in the US.

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Mogul of Pineapples
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Postby Mogul of Pineapples » Thu Aug 25, 2011 1:32 am

Historically, American Express seems to use Experian as their first choice credit bureau. In 2nd place, Equifax. You rarely hear of AmEx pulling from TransUnion but it does happen.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred


HipHopSays
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Postby HipHopSays » Fri Aug 26, 2011 1:06 am

for my Amex Blue Cash transunion was used, and for my Amex Green equifax was used.

ooxs
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Postby ooxs » Fri Aug 26, 2011 2:49 pm

My recently got approved for the clear card, they used EQ and TU. I was under the impression that they mostly or only use EQ but while reviewing my credit report from TU last night i saw the hard inquiry from Amex.

JNK
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Postby JNK » Fri Aug 26, 2011 7:20 pm

I'm a 10 years young AMEX card holder have spoken with American Express before in regards to credit reporting and credit checks when my wallet got stolen with my personal and business credit cards inside and I was trying to figure out how best to stop the damage.

I was told that they report to all the major credit bureaus and that situations can affect which credit bureaus they inquire to. I didn't really care to know the exact details at the time as I was flipping out about my waylaid wallet and cards, so I unfortunately never got clarification. On the other hand, the ones that they pull from the most frequently, on the other hand, seems to be Equifax and Experian and the rep was very nice about additionally telling me which ones had been pulled for me.

In my case, I personally got my Equifax and Experian credit information pulled by them when I opened up my accounts with them. When one of my cobranded department store cards went from a VISA to an AMEX, I saw a soft pull on my Trans Union that I couldn't match to any other situation except for the transition of my card.

That said, I think this might have something to do with which division/type of AMEX you are dealing with. Charge card versus credit card versus cobranded store credit cards ,etc.
Personal Collection:

AMEX: Everyday (MR), Macy's (cobranded)
MASTER: Citibank Dividend Platinum Select (non-World version)
VISA: Chase Amazon Signature, Chase (bank issued)
GE: Care Credit (medical expenses), Macy's (store), JCP (store)


Business Collection:

AMEX: Costco True Earnings
MASTER: None
VISA: Chase Ink Cash

ExperianIsIncompetent
 
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Experian is Horrible

Postby ExperianIsIncompetent » Mon Mar 26, 2012 1:31 am

Just a recent personal experience with how incompetent Experian is with its partnership with Amex.

Late last year, Experian mixed my exemplary credit history with another individual whose first name is the same as mine and whose last name just happens to begin with the same 3 letters. This other person lives about 5 miles away from me and just happens to have a street address with the same 2 digits as mine (but completely different street names and cities).

Well, since this other person has defaulted on 3 mortgages and is in arrears with numerous creditors, while I have no mortgages and have never missed a credit card payment in my life, guess what Experian concluded???? That I had to be the same person as this deadbeat even though we have completely different Social Security numbers, work histories, marital status, etc.

As a result, Experian completely trashed my credit history causing Amex to reduce my credit limit to nearly zero. Experian did apologize for the mistake and corrected it (only after I threatened legal action), but to date they have made no effort to notify Amex about their screw-up. So even though my credit scores with TransUnion and Equifax are 840+, Amex nearly cancelled my account when Experian dropped my credit score to the low 500's.

Amex will only reconsider my credit limit situation if I fax them all of my financial documents, including the Experian documents (before and after), but I'm not sending my personal details to an open fax line, which may be re-routed to an Indian call center for all I know. Makes you wonder what type of clowns work for these credit bureaus! Thankfully, I have credit cards with other companies that did not victimize me with Experian's incompetence.


Mully85
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Postby Mully85 » Mon Mar 26, 2012 11:12 am

I was just approved for an AMEX Gold, and I can tell you that they do indeed use Experian as their primary Score provider. Experian is my highest score and was a huge factor in why I decided to go with AMEX.

FutureBillionaire
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Postby FutureBillionaire » Mon Mar 26, 2012 2:10 pm

They have only hit me on Experian.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

Crashem
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Postby Crashem » Mon Mar 26, 2012 2:12 pm

Yeah they use Experian or at least every time I have seen it.
Amex Centurion, Amex Platinum, Amex BCP 8k->24k (5/23/12), Amex TE 15k, Cap One 1.5% 15k->20k (8/7/13), CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k->2.4k (8/20/12), JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k



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