American Express uses all three major credit bureaus: TransUnion, Equifax, and Experian. One or more credit bureaus may be used when evaluating an 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 This will provide an opportunity to check for any incorrect or outdated information on your credit report.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 last updated on 08/15/24 and it was first published on 06/19/20. 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.
