Originally Posted by
Ancien Maestro
She questioned why I didn't have credit hits lately checking for my credit. I just applied for 6 Amex's in the past 2 or 3 years. There's my confirmation that Amex doesn't conduct a credit check every time I put in a new Amex application. Rather, Amex goes off my spend history for consideration.
She probably didn't see the Amex credit pulls because they use a different bureau. While your credit history will appear at both major credit bureaus, lenders don't necessarily pull your credit report from both bureaus when you apply for credit.
While my main bank is RBC, I also have credit products with Amex, TD, CIBC and, at one point in the past, BofM. I've observed TD and CIBC credit checks on my Equifax credit report, but never with TransUnion. I've observed BofM, RBC and Amex credit checks on my TransUnion credit report, but never with Equifax. I pull my reports from both bureaus quarterly.