Christie Matherne, Credit Card Writer
@christie_matherne
The Amazon Business Credit Card normally uses Experian for approval, though American Express may use reports from TransUnion or Equifax, according to anecdotal evidence. Keep in mind that American Express may also pull your business credit reports from business bureaus.
Key Things to Know
- Before you apply for the Amazon Business Credit Card, check your personal credit score. American Express pulls consumer credit bureau reports because the Amazon Business Credit Card requires a personal guarantee, meaning that any debts the business cannot pay, you are personally liable for.
- The Amazon Business Credit Card requires good credit or better.
- When you apply, American Express will perform a hard inquiry on your credit report, which might temporarily damage your credit score by a few points.
- If you’re approved, American Express will report your account usage information to business credit bureaus, including Dun & Bradstreet or Small Business Financial Exchange (SBFE)).
- Your major consumer credit reports contain nearly identical information, so if one includes negative information, the other two probably will as well. It’s a good idea to check for any mistakes on your credit reports so you can dispute them right away.
If you want to review your TransUnion credit report or check your credit score for free, you can do it right here on WalletHub.
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