Which credit reporting agency does American Express use?

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Which credit reporting agency does American Express use?

Postby Oliver2013 » Fri Aug 02, 2013 12:26 am

Which credit bureau does Amex rely on the most. Does Amex checks all three credit reporting agencies or one in particular?


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Postby Z06Biker » Fri Aug 02, 2013 6:03 pm

They pull Experian, for me.
AMEX: PRG Gold, Business Simply Cash, Business Costco, BCE.
Chase: United MileagePlus Club, Sapphire Preferred, Amazon Rewards
Barclaycard Arrival World Mastercard
HSBC Cash or Fly World Mastercard
USAA World Mastercard, USAA Platinum Mastercard
Wells Fargo Business Platinum
USC Credit Union Mastercard

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Postby djrez4 » Fri Aug 02, 2013 6:34 pm

Generally Experian. They have a long history together.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]

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Postby Snowman » Fri Aug 02, 2013 7:56 pm

Oliver- If your borderline, they'll pull all 3. In general, they have always pulled EX for me when I apply for the BCE (still no luck) so that is generally the main bureau they use.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

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Postby MemberSince99 » Fri Aug 02, 2013 8:31 pm

Everyone here is 100% correct. For every application I've ever put in with Amex (quite a few) they pulled EX.

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Postby Jacksnow » Fri Aug 02, 2013 10:21 pm

Experian for me

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