Experian has learned how to deal with Amex' credit limit (mis)reporting. As discussed before, Amex reports zero "high balance"/ limit for Optima Platinum cards. Experian decided to IGNORE Amex reports in this regard; They now maintain their own high balance record. Once Amex sends updates, Experian checks your current balance: If it's lower than it used to be, Experian's own software will reject the zero "high balance" figure and set its own figure, based on past or current account activity. Hopefully, EFX and TU will do the same. Saar
