American Express inspects applicants' credit reports before they approve credit or charge card applications. American Express is not an exception. Credit card companies often offer discounted or free credit reports. Cardholders also enjoy additional benefits that may make it worth obtaining a credit report from the company. This article will discuss three ways to get an American Express credit score report. Learn more to determine which one is best suited for you.
TransUnion
American Express provides a credit score simulator for free, along with access to your TransUnion credit report. Access the tool via AmEx's mobile-optimized site. You can use it to monitor your credit score and keep track of inaccuracies, fraud, and blemishes that can result in a higher interest rate. It will notify you of any new credit activity.
American Express pulls each credit report separately from each bureau. However, each bureau will provide a free report each 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 reports only from TransUnion and Experian in most states. Equifax pulls the report from both 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 may use all three major credit bureaus, they tend only to focus on Equifax reporting. 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.
The American Express heatmap will show you which bureaus American Express uses. Equifax will pull your credit more frequently if you are darker in color. Experian is not preferred in Rhode Island. Equifax is preferred in Rhode Island. This heatmap shows how American Express pulls credit reports from each bureau. It also shows which bureaus consumers prefer in particular states. Experian is preferred in Rhode Island while Equifax is preferred in Rhode Island. TransUnion is preferred for South Dakota.
Experian
American Express generally checks your credit report through Experian. However they may pull reports from other major banks from time to time. 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. Nevertheless, you should know how to view your credit report and how to dispute inaccurate information. This guide will show you how to do that.
Before applying to American Express, you should get a copy each bureau's credit report. You'll need to verify both your Experian credit score and FICO score. These scores aren't made public so they may not be available to you. You should also note that American Express credit cards issuers offer different credit-card features. The risk thresholds may vary.
CreditPulls
Many people believe that American Express CreditPulls gives them all the information they need to get a credit card. However, this is not true. Instead, the company pulls in information from all three credit reporting agencies and combines it into one report. Because American Express CreditPulls are done by the credit bureaus, the information that is compiled is accurate and verifiable. For example, if you apply for a new card, it will appear on all three credit bureaus, including Equifax.
You can use credit bureaus in addition to credit bureaus. Credit boards provide information on specific creditors and banks. While American Express does not disclose which credit bureau it uses, you can still use them to get the information you need. Search bar can be used to search for the information that you are looking for even if it isn’t on the credit agency website. Depending on your needs, you can also set the number of inquiries to avoid being over-involved with the credit bureaus.