American Express uses all three major credit bureaus: TransUnion, Equifax, and Experian. Either one or more credit bureaus may be used when evaluating am American Express credit card application. Credit reports, however, don’t differ that much from bureau to bureau. So, there’s a huge overlap between the contents of each major credit report.
Keep in mind that, regardless of the credit bureau(s) the issuer chooses to use, you will always see a hard pull on your credit report after you apply.
However, make sure all of your reports are in order. Remember that you are entitled to one free report from each of the three major credit bureaus every 12 months. This will provide an opportunity to check for any incorrect or outdated information on your credit report. Alternatively, you can also get your full report and score for free, right here on WalletHub.
This answer was first published on 06/19/20 and it was last updated on 08/30/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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People also ask
What credit bureau does Blue Cash Everyday use for approval?
When applying for the Blue Cash Everyday, American Express will most likely use Experian.
However, in some cases they will use another bureau, depending on what state you live in.
Does American Express report authorized users to credit bureaus?
Yes, American Express credit cards report to the credit bureaus every month, within days after each cardholder’s billing period closes. American Express reports your credit card’s credit limit, account balance, and payment history to all three of the major credit bureaus: TransUnion, Equifax, and Experian.
Once American Express reports your account information to a credit bureau, it may take a few days from when the bureau receives the info before the updates appear on...
When does American Express report to credit bureaus?
American Express reports to credit bureaus once per month, typically updating Experian, Equifax, and TransUnion within 5 days of a card’s billing cycle ending. Since Amex billing cycles are usually based on the opening date of cardholders’ accounts, there is no set day on which American Express reports to credit bureaus.
For example, if someone opened an Amex credit card account on the 21st of October, then the end of the first billing cycle...
