Which Credit Bureau Does American Express Use for Your Application?
November 15, 2025
When you apply for a new credit card, the issuer performs a "hard inquiry" on one or more of your credit reports. Knowing which credit bureau American Express typically uses can help you prepare your application effectively, especially if one of your reports has errors or discrepancies.
Affiliate Disclosure: We are a professional review site that receives compensation from the companies whose products we review and recommend. If you apply for a credit card through our links, we may earn a commission. We are independently owned, and the opinions expressed here are our own.
Amex Primarily Uses Experian Nationwide
Across the United States, data points consistently show that American Express primarily pulls applicants' personal credit reports from Experian when making an application decision. This is the most likely bureau to be checked, regardless of your location.Amex also provides its cardholders free access to their FICO® score powered by Experian data through its MyCredit Guide.
Why It Matters Which Bureau Amex Checks
It is vital to know this because your credit score can differ slightly between the three major bureaus—Experian, Equifax, and TransUnion—due to variations in how data is collected and scored.It's Not Always Just Experian
While Experian is the primary bureau, Amex may occasionally use TransUnion or Equifax. They might even pull reports from two bureaus, though this is less common than with some other major issuers.The exact bureau can sometimes vary by the specific card you apply for or the region you live in, but these instances are exceptions to the general rule.
What Happens After Approval?
Regardless of which bureau Amex pulls from during the application, once you are approved for a card (like the Blue Cash Everyday® Card or the American Express Platinum Card®), Amex reports your payment history and account information to all three major credit bureaus monthly: Equifax, Experian, and TransUnion.Summary: Check Your Experian Report First
Before applying for an American Express card, your best first step is to pull your Experian credit report to see the data Amex is most likely to base its decision on.For a full step-by-step guide on the application process and tips for successful approval, view our main guide: How to Apply for an American Express Card: Step-by-Step Guide.
Found this guide helpful? Bookmark it for future reference as you continue your financial journey!
Experian Boost: A Comprehensive Guide to Boosting Your Free Credit Score
FICO® Credit Scores
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
What is a Credit Score?
A credit score is a three-digit number, typically ranging from 300 to 850, that predicts your creditworthiness—how likely you are to repay borrowed money on time. Lenders use this score to assess the risk of lending to you and to determine the interest rates and terms of any credit you might receive.
Why is a Credit Score Important?
A credit score is important because it acts as your financial reputation. Lenders, landlords, insurers, and employers use this single number to quickly judge how reliable you are with money. A higher score helps you qualify for loans and credit cards, often securing lower interest rates that can save you significant money. Conversely, a poor credit score can lead to application denials or much higher costs for borrowing, making it a key factor in your overall financial opportunities.
FICO® Credit Score Facts
- Three-Digit Number: Like other credit scores, FICO® Scores are a three-digit number that summarizes a consumer's credit risk.
- Range: Most standard FICO® Scores range from 300 to 850. Higher scores indicate lower credit risk.
- Data Source: FICO® Scores are calculated using data from your credit reports maintained by the three major credit bureaus: Experian, Equifax, and TransUnion. Your score may vary slightly depending on which bureau's data is used.
- Industry Standard: Lenders rely on FICO® Scores for mortgages, auto loans, and credit cards because they provide a consistent, statistically sound assessment of the likelihood that a borrower will repay their debt.
Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
Security Notice: All Applications utilize Secure SSL Technology for secure transmissions.
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
Advertiser Disclosure: The card offers that appear on this site are from companies from which Gettingacreditcard.com may receive compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.
© 2006-2025 GettingACreditCard.com, All Rights Reserved.