American Express checks applicants credit report before authorizing credit or charge cards. American Express is not an exception. Credit card companies often offer discounted or free credit reports. Additional benefits may be available to cardholders that make it worthwhile to obtain a credit report from them. In this article, we'll explore three different methods of obtaining an American Express credit report. Read on to find out which one is the best fit for you.
TransUnion
American Express offers a credit score calculator for free. You can also access your TransUnion credit score and report. This tool can be accessed via AmEx’s mobile-optimized website. It allows you to track and monitor your credit score. You can also get alerts about any new activity in your credit report.
As with all the major credit bureaus, American Express pulls your credit report from each one separately, but you're entitled to a free report from each of them every 12 months. 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. Although they do use the major bureaus, they tend not to focus on Equifax or 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 can be used to determine which bureaus it uses. Equifax will pull your credit less often if the color is darker. Experian is preferable in Rhode Island to Equifax. This heatmap displays the percentage of credit reports that American Express has pulled from each bureau. It also shows which state consumers prefer which bureaus. Experian in Rhode Island is preferred by Equifax over Experian. TransUnion, on the other hand, is preferred in South Dakota.
Experian
American Express will check your credit reports with Experian. They may also pull reports from other major bureaus. TransUnion is the second most likely to pull your credit report from American Express, but they have not responded to any request for additional information. However, you need to be able to view and correct incorrect credit information. This guide will help you do just that.
Before you apply for an American Express Card, get a copy of each bureau's credit report. Check both your Experian score and FICO score. These scores are not made public, so you may not be aware of them. You should also note that American Express credit cards issuers offer different credit-card features. Therefore, risk thresholds can differ.
CreditPulls
Many people believe that American Express CreditPulls gives them all the information they need to get a credit card. This is false. Instead, the company pulls information from all three credit bureaus and combines them into one report. American Express CreditPulls can only be done by the credit agencies. The information that is compiled will be accurate and verifiable. For example, if you apply for a new card, it will appear on all three credit bureaus, including Equifax.
You can also use credit bureaus to get information on specific banks or creditors. While American Express does not disclose which credit bureau it uses, you can still use them to get the information you need. Even if the information you need isn't on the credit bureau's website, you can still use the search bar to locate it. Depending on your requirements, you can also adjust the number or inquiries you send to avoid getting too involved with the credit agencies.