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. Additional benefits may be available to cardholders that make it worthwhile to obtain a credit report from them. In this article we will explore three methods for getting an American Express credit card report. Learn more to determine which one is best suited for you.
TransUnion
American Express offers a credit score calculator for free. You can also access your TransUnion credit score and report. Access the tool via AmEx's mobile-optimized site. It is used to track credit scores and identify fraud. It provides alerts for any activity on your credit reports.
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. The best way to find out which credit bureaus are pulling information is to speak with people who have used American Express credit card applications. American Express pulls credit information from TransUnion and Experian, while Equifax pulls from the other bureaus.
Equifax
If you are interested in applying for American Express credit cards, it is a good idea to know from which bureau they pull your credit. While they use the three major bureaus, they tend to focus on the reporting of Experian and Equifax. They will usually pull your report from all three major bureaus. However, if you have any negative remarks American Express may opt to double-check your Experian report with Equifax.
American Express heatmap reveals which bureaus American Express uses. The darker the color, the more often Equifax pulls your credit. In Rhode Island, Equifax is preferred over Experian. 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 is preferable in Rhode Island; Equifax in South Dakota, however, is preferred to TransUnion.
Experian
American Express will check your credit reports with Experian. They may also pull reports from other major bureaus. TransUnion is likely to be the second-most probable. TransUnion pulls reports from American Express but hasn't responded to a request for further information. However, it's important that you know how to review your credit report as well as how to dispute inaccurate information. This guide can help you do exactly that.
Before applying for an American Express card, make sure you get a copy from each bureau. You should check your Experian as well as FICO scores. These scores aren't made public so they may not be available to you. In any case, it is important to note that American Express credit card issuers offer different credit card features. The risk thresholds may vary.
CreditPulls
Many people believe that American Express CreditPulls is the best way to obtain all their credit card information. It's false. Instead, the company pulls from all three credit bureaus to create one report. American Express CreditPulls are performed by the credit bureaus. This ensures that the information compiled can be verified and is accurate. Equifax is the third credit bureau that will show your new card application.
You can also use credit bureaus to get information on specific banks or creditors. Although American Express doesn't disclose the credit bureaus it uses, they can still be used to provide you with the information you require. You can use a search bar to find the information you're looking for, even if the information isn't available on the credit bureau website. Depending on your requirements, you can also adjust the number or inquiries you send to avoid getting too involved with the credit agencies.