What bureau does Amex pull?

American Express uses all three major credit bureaus (TransUnion, Equifax and Experian) in order to assess your creditworthiness. Credit reports, however, don't differ that much from bureau to bureau.


What credit bureau does American Express look at?

When you apply for an American Express credit card, the company will almost always check your credit report with Experian.

What FICO score does Amex pull?

American Express appears to primarily pull credit reports from Experian, but this doesn't mean it doesn't occasionally pull from one or both of the other major consumer credit bureaus as well.


Does American Express use TransUnion?

American Express uses TransUnion! They use TransUnion, to approve your credit app, and they use TransUnion for your score!

Where do American Express pull from?

Amex primarily pulls Experian, though sometimes Equifax or TransUnion reports. Chase favors Experian, but may also buy Equifax or TransUnion reports.


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Does Amex use Experian or TransUnion?

American Express uses all three major credit bureaus (TransUnion, Equifax and Experian) in order to assess your creditworthiness. Credit reports, however, don't differ that much from bureau to bureau.

What is the easiest Amex card to get?

When applying for the Amex Blue Card, try to have a good credit score, which is a FICO® Score of 670 or above. This is one of the easiest Membership Rewards cards to open, and even consumers with average credit scores have a decent chance of approval.

What bureau does Capital One pull?

Capital One appears to pull from any of three major credit bureaus: Experian, Equifax and TransUnion.


What credit score is needed for Platinum Amex?

The Platinum Card® from American Express requires good to excellent credit to qualify. This is typically defined as a credit score of 690 or better.

What bureau does Chase pull?

Which credit bureau does Chase use? Chase Credit Journey gives everyone (even those who aren't Chase customers) access to their credit score through Experian®.

Can I get an Amex card with a 650 credit score?

This means you need a credit score of at least 700. If you're hovering around the 700 mark, it may be best to wait to apply when your score increases as the average applicant has a score of 715. Although, some applicants have been approved with a credit score as low as 643.


Is Amex prequalify a hard pull?

On the other hand, pre-approval is an in-depth look at your candidacy for a card in the Amex portfolio. Using only a soft credit pull—which does not impact your credit score—Amex determines whether you've met its minimum standards for that particular card.

Can I get Amex with 600 score?

The American Express credit score requirement is of at least 700, depending on the card. That means people with good to excellent credit are eligible to get approved for an American Express credit card.

What FICO score do you need for Amex Gold?

To qualify for this $250 annual fee card, one of the best travel rewards credit cards available, you should have a credit score of at least 670.


Which American Express card is the hardest to get?

The hardest Amex card to get is the Centurion® Card from American Express. Also known as the “Black Card,” this Amex card is hard to get because it is available by invitation only, and potential candidates are rumored to need an annual income of at least $1 million.

Is there a minimum salary for Amex Platinum?

The Platinum Card® is one of the few premium cards that does not technically have a minimum income requirement. However, given its hefty annual fee of $699, we're classifying it as a high-income card.

How much income do you need for Amex Platinum?

Annual income of $100,000 or more. Aged 18 years or over.


What is the minimum Amex Platinum Card limit?

American Express Platinum has no preset credit limit. That means the amount you can spend may change from month to month based on your usage of the card, credit history, income and more.

What Bureau does Citi card use?

Citi partners with FICO and Equifax, one of the major credit reporting agencies, to be able to provide you with your FICO® Score.

What Bureau does Wells Fargo pull?

Wells Fargo uses all three major credit bureaus: Equifax, Experian, and TransUnion. Either one or more credit bureaus may be used when evaluating a Wells Fargo credit card application. Cardholder reports suggest the state you live in may factor into which credit bureau Wells Fargo uses when it pulls your credit report.


What credit bureau does Goldman Sachs pull?

Credit Check

Approvals are done by Goldman Sachs, and Goldman Sachs uses TransUnion for credit checks. If you have a credit freeze applied, you will need to unfreeze your TransUnion credit.

Why is Amex so hard to get?

Yes, it's hard to get an American Express card because they all require good or excellent credit for approval. But American Express isn't the only credit card company to target people in the highest tiers of the credit score scale. Barclays and Wells Fargo do too, for example.

Does American Express have a pre approval?

Yes, American Express does have pre-approval. American Express has an online pre-qualification page where potential applicants can quickly check their odds of approval for certain American Express credit cards before they actually apply for one.


What card are better than an Amex black card?

Well, the verdict is in! The Centurion card beats out the Mastercard Black card in terms of rewards, benefits, and features. The major drawback of the Centurion card is its $10,000 initiation fee and $5,000 annual fee (plus $5,000 annually for each authorized user).

What credit score do you need for Amex black?

If you are interested in being considered for the Amex Centurion black card, you can request an invitation. Credit score – You must have an exceptional credit score ranging somewhere between 800 and 850 to qualify.