American Express has always came around in speculation as a credit card issuer that strictly pulls from Experian and in this post, we will be further answering whether or not American Express truly holds up to that standard and if at all, it is necessary for them to pull from other consumer reporting agencies: Trans-Union or Equifax. In some cases, American Express could possibly do a pull from another credit bureau depending on where you live, but for the majority of the time being, it’s all the more necessary that we take into account any feasible information possible. Below is a sanctioned table with distinctions of what credit bureau American Express pulls from in regards to each state.
Editor’s Note: Keep in mind that you would need to unfreeze all your reports first prior to applying for an American Express card seeing as how they do not allow frozen credit reports.
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American Express Credit Pull Table:
Editor’s Note: Statistics and credibility is solely entitled to CreditBoards. In order to express the utmost clarity and conveyance, the credit bureaus will be abbreviated accordingly:
- Trans-Union= TU
- Experian= EX
- Equifax= EQ
- N/A= Not Applicable
| Abbrev. | State Name | Pulled Credit Bureau |
| AL | Alabama | EX |
| AK | Alaska | NI |
| AZ | Arizona | EX |
| AR | Arkansas | EX |
| CA | California | EX, TU, EQ |
| CO | Colorado | EX |
| CT | Connecticut | EX, TU |
| DE | Delaware | EX |
| FL | Florida | EX, TU, EQ |
| GA | Georgia | EX, TU |
| HI | Hawaii | NI |
| ID | Idaho | EX |
| IL | Illinois | EX |
| IN | Indiana | EX |
| IA | Iowa | NI |
| KS | Kansas | EX |
| KY | Kentucky | EX |
| LA | Louisiana | EX |
| ME | Maine | NI |
| MD | Maryland | EX |
| MA | Massachusetts | EX |
| MI | Michigan | EX |
| MN | Minnesota | EX |
| MS | Mississippi | EX, EQ |
| MO | Missouri | EX |
| MT | Montana | NI |
| NE | Nebraska | NI |
| NV | Nevada | EX |
| NH | New Hampshire | EX |
| NJ | New Jersey | EX |
| NM | New Mexico | EX |
| NY | New York | EX, TU |
| NC | North Carolina | EX |
| ND | North Dakota | NI |
| OH | Ohio | EX |
| OK | Oklahoma | EX |
| OR | Oregon | EX |
| PA | Pennsylvania | EX |
| RI | Rhode Island | NI |
| SC | South Carolina | EX |
| SD | South Dakota | NI |
| TN | Tennessee | EX |
| TX | Texas | EX, TU, EQ |
| UT | Utah | EX |
| VT | Vermont | NI |
| VA | Virginia | EX, EQ, TU |
| WA | Washington | EX, EQ |
| WV | West Virginia | NI: |
| WI | Wisconsin | EX |
| WY | Wyoming | NI: |
| DC | Capital | EX, EQ |
Conclusion:
Each consumer reporting agency collects their own information and calculates your score based primarily on the information that they deem adequate so it’s completely necessary to understand where your information is being pulled when it comes to coping with a new credit card application. It’s also more necessary to point out that American Express does strictly pull from Experian, but on certain occasions, they will pull from other credit bureaus. Now, on this premise, you can evaluate the table above to see that every state pulls from experian; California, Georgia, Florida, Connecticut, New York, Texas, Virginia, Washington and DC reportedly pulls from Experian, but if obligatory, they will pull from other credit bureaus. Also, be sure to keep in mind that third party American Express co-branded partners may pull from a different credit bureau than Experian. Find out which card is fit for you by checking out our complete list of American Express Credit Cards or Credit Card Promotions today!
