Which CRA??

Discussion in 'Credit Talk' started by debtchoked, Aug 24, 2003.

  1. debtchoked

    debtchoked Well-Known Member

    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.
  2. cinderella

    cinderella Well-Known Member

  3. debtchoked

    debtchoked Well-Known Member

    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?
  4. fbueller

    fbueller Active Member

    If you were denied, they will send you a reply in the mail stating which CRA they used to obtain your credit info.
  5. cinderella

    cinderella Well-Known Member

    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.
  6. cinderella

    cinderella Well-Known Member


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