Which CRA does Amex use? I've read on other posts that in order to qualify for a general, green, Amex rewards card, one must have a 580 score and no "baddies" in the past 2 years; however, I'm not sure which CRA they use.
Try PsychDoc's link that give a breakdown by state for which CRA's CCs pull: http://groups.yahoo.com/group/whopulledmycredit/ PS....the site is a little slow to load at first.
Thanks for the reply. According to the website, Amex uses all three CRAs. I guess it depends on their mood!! How do I find out which one they used to deny me?
If you were denied, they will send you a reply in the mail stating which CRA they used to obtain your credit info.
If they deny you, they are supposed to send you a letter stating their reason for denial and which CRA they used to run your credit. Also, a hard inquiry would show up on your credit report.