Which credit bureau does American Express pull?
Short answer EX Experian
Overwhelmingly Experian in public data points. TransUnion or Equifax shows up occasionally.
Confidence: High: sources agree · 9 dated data points (0 in the last 12 months) · Updated 2026-10-17
What the data points show
Counts bureaus across individual user-reported data points since 2023. A single application can pull more than one bureau.
What other trackers say
- Doctor of Credit (CreditBoards data, 2014+) (as of 2016-11-01): 372 of 390 data points (~95%) Experian; ~2.5% Equifax; ~2.5% TransUnion.
- StackEasy (as of 2026-08-31): Predominantly Experian.
- finbarrow (as of 2026-06-18): Experian in the large majority of states.
These are secondary summaries. Some are years old (see the "as of" date). Each one is linked so you can check it yourself.
Data points by date
| Card | Source | ||||
|---|---|---|---|---|---|
| CA | EX | American Express Blue Business Plus Business |
Denied | CreditBoards CreditPulls (user-submitted record) | |
| NC | EX | Amex Hilton Honors Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| CA | EX | Amex Blue Cash Preferred Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| MI | EX | American Express Marriott Bonvoy Business Business |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| TX | TU EX | Hilton Honors Aspire Amex Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| FL | EX | Amex BCE Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| IN | EX | American Express Delta Skymiles Gold (Amex) Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| WA | EX | American Express Personal |
Approved | CreditBoards CreditPulls (user-submitted record) | |
| NC | EX | Amex Blue Business Plus Business |
Approved | CreditBoards CreditPulls (user-submitted record) |
Highlighted rows are from the last 12 months. Data points are self-reported by applicants on public forums and may be wrong or incomplete. We link every one to where it came from.
By state
| State | Bureau counts |
|---|---|
| CA | EX: 2 |
| FL | EX: 1 |
| IN | EX: 1 |
| MI | EX: 1 |
| NC | EX: 2 |
| TX | EX: 1 TU: 1 |
| WA | EX: 1 |
American Express 0% intro APR offers we track
- Blue Business Cash™ Card (Amex): purchases 0% for 12 mo; BTs — (verified 2026-10-17)
- Blue Business® Plus Card (Amex): purchases 0% for 12 mo; BTs — (verified 2026-10-17)
- Blue Cash Everyday® Card (Amex): purchases 0% for up to 18 mo; BTs 0% for up to 18 mo (verified 2026-10-17)
FAQ
Which credit bureau does American Express pull?
Overwhelmingly Experian in public data points. TransUnion or Equifax shows up occasionally. In StackScout's 9 dated, sourced data points since 2023, Experian appears 9 times, TransUnion appears 1 time. Confidence: High: sources agree.
Does American Express pull a different bureau depending on my state?
Public data points show American Express is fairly consistent across states, but exceptions happen.
Can I find out which bureau American Express will pull before I apply?
Not with certainty. Issuers don't publish this, and it can change. Recent data points from your state are the best signal. Afterward, the new hard inquiry on your credit reports shows which bureau was pulled.