American Express reviews credit reports before approving credit cards or charge cards. Credit card companies offer both free and discounted credit reports, and American Express is no exception. Cardholders can also get additional benefits that could make it worth applying for a credit card report. In this article we will explore three methods for getting an American Express credit card report. Find out which one suits you best.
TransUnion
American Express provides a free credit score simulator and access to TransUnion's credit report and score. Access the tool via AmEx's mobile-optimized site. You can use it for monitoring your credit score and keeping track of fraud and inaccuracies. This can lead to a higher rate of interest. It can alert you to any new activity on credit reports.
American Express pulls credit reports from all major credit bureaus separately. However, you are entitled to one free credit report every 12 months from each. Asking others who have applied to American Express credit cards will give you the most reliable information about which bureaus are pulling data. American Express pulls credit data from TransUnion (in most states) and Experian (in some states). Equifax pulls information from the two other bureaus.
Equifax
It is important to understand which bureau American Express pulls your credit reports from, if you want to apply for an American Express credit cards. They use all three major bureaus but tend to concentrate on Equifax and Experian. American Express will pull your report from all three of these bureaus in most cases. However, if they find any objectionable remarks, American Express may double-check your Experian Report with Equifax.
American Express heatmap reveals which bureaus American Express uses. Equifax pulls credit from you more often the darker the color. Experian is more popular in Rhode Island than Equifax. This heatmap shows American Express's percentage of credit reports taken from each bureau. It also shows which bureaus are preferred by consumers in certain states. Experian is preferred in Rhode Island while Equifax is preferred in Rhode Island. TransUnion is preferred for South Dakota.
Experian
American Express will typically check your credit report with Experian. But they may also pull your report occasionally from other major agencies. TransUnion is the next most likely. TransUnion does pull reports from American Express, but has not replied to a request. However, you need to be able to view and correct incorrect credit information. This guide will show you how to do that.
Obtain a copy of your credit report from each of these three bureaus before applying for an American Express card. Check both your Experian score and FICO score. These scores aren't made public so they may not be available to you. It is important to remember that American Express credit card issuers may offer different credit card features. Therefore, risk thresholds can differ.
CreditPulls
Many people believe that signing up for American Express CreditPulls will give them all the credit card information they need. But, it's not true. Instead, the company pulls from all three credit bureaus to create one report. American Express CreditPulls can only be done by the credit agencies. The information that is compiled will be accurate and verifiable. Equifax, Equifax, and American Express CreditPulls will all show your application for a new credit card.
Credit boards can be used to provide you information on specific lenders and banks. American Express does no disclose which credit agency it uses. However you can still use them for the information you need. A search bar is available to help you find the information you want, even if it's not on the credit bureau website. You can set the number and type of inquiries that you want to make. This will allow you to be more responsive to the credit bureaus.