Amex reports to Equifax?

[goob3r]

Anyone out there have a credit report from Equifax and has an Amex? I'm curious to know if it reports to Equifax on a monthly basis as I'm looking at the free report I got in May which only lists my TD Visa as "last reported on 05/07", but not my corporate Amex.

I find it weird that it doesn't mention it. At the time it was about 10 months old, but regardless there should be something.

[Hubster]

Anyone out there have a credit report from Equifax and has an Amex? I'm curious to know if it reports to Equifax on a monthly basis as I'm looking at the free report I got in May which only lists my TD Visa as "last reported on 05/07", but not my corporate Amex.

I find it weird that it doesn't mention it. At the time it was about 10 months old, but regardless there should be something.

AmEx absolutely reports to Equifax monthly. I noticed you mentioned that you have a corporate account - do you receive the bills for this account or does your company? If it's your company then it is based on their credit and reported accordingly, not to your history.

When I had a corporate AmEx years ago, I am pretty certain that it never showed up on my personal report as I wasn't the one who had applied for it, the company I worked for had. I was simply a supplementary card holder.

H.

[tkyoshi]

AmEx absolutely reports to Equifax monthly. I noticed you mentioned that you have a corporate account - do you receive the bills for this account or does your company? If it's your company then it is based on their credit and reported accordingly, not to your history.

When I had a corporate AmEx years ago, I am pretty certain that it never showed up on my personal report as I wasn't the one who had applied for it, the company I worked for had. I was simply a supplementary card holder.

H.

You are correct, if your card is a business card it will not get reported on your credit report. It is filed under the credit report of the business.

This is true even if you own the company.

[goob3r]

AmEx absolutely reports to Equifax monthly. I noticed you mentioned that you have a corporate account - do you receive the bills for this account or does your company? If it's your company then it is based on their credit and reported accordingly, not to your history.

When I had a corporate AmEx years ago, I am pretty certain that it never showed up on my personal report as I wasn't the one who had applied for it, the company I worked for had. I was simply a supplementary card holder.

H.

I applied for it, receive the bills and responsible for paying it off.

The reason I ask is because I have a credit inquiry from Amex at the time I signed up, but no credit history regarding it on my account.

I didn't notice until today because I was trying to swith a Rogers wireless account to my name from a friend. I only provided them my name and license, and they pulled up a file on me that said I had "insufficient credit history" and they would charge me a fee to start up my account. I've been building it long before then (at least a CC since 2001) so this didn't seem right.

Confusing story short, my credit history is under my "legal" name. When I first signed up for the Amex they had trouble finding my credit history because I gave them the name I use frequently instead. After some help on my part, they found my file, as noted from the credit check on my Equifax history. Since I don't have the credit history for my monthly payments on Amex on this file, so I'm wondering if there is a second file out there floating around that has my commonly used name attached to it and my Amex monthly paying history.

My assumption is that Rogers found this file as I only provided them my address, commonly used name, and driver's license (which actually does not have my common name on it) and this is why I was told I had an "insufficient credit history". In essence, they did a hit on another file and not my real one...

Is this possible? How can I find out if this is the case? I surely would want to amalgamate both files if that was the case to clear up everything.

[Hubster]

Is this possible? How can I find out if this is the case? I surely would want to amalgamate both files if that was the case to clear up everything.

Yes this is definitely possible. I see folks everyday who have more than one file, typically for the same reason that you posted - multiple names.

Highly recommend you get in touch with Equifax ASAP!

From equifax.ca ...

"How can I correct an inaccuracy in my Equifax credit file?

First you will need to complete a Consumer Credit Report Update Form. Once complete begin by contacting Equifax.

1. Telephone us at 1 800 465 7166 between 8:00am and 5:00pm ET
2. Write to us at:
Equifax Canada Inc.
Consumer Relations Department
Box 190 Jean Talon Station
Montreal, Quebec
H1S 2Z2

After we receive your call or letter request, we begin the Dispute Resolution process.

First, we review and consider the information you have sent us about your dispute. If this initial review does not resolve the problem, we will continue our investigation. This involves contacting the submitter of the disputed information on your behalf to review the details. They will investigate and report their conclusions to us. Based on their findings, we may make changes to your credit file. If the disputed information is correct, we will not make any changes.

We will send you a revised credit report if changes are made as a result of the Dispute Resolution process.

We will also send your revised credit file to any company that requested your credit file 60 days prior to the change. In some cases, it may be a period longer than 60 days. "

Good Luck!

H.

[goob3r]

So I called Equifax today, it turns out that Amex wasn't reporting my credit card history at all.

It also turns out that Rogers had created a new credit file for me when they did a check cause my name didn't match any other accounts. Which is why I had insufficent credit history... the file was empty! They've now merged the two files (aka I have a check from Rogers on my real account) and a search on both names will lead to the same file. I have to submit some paperwork to Equifax to finalize it.

Anyone know if Rogers will have to do a SECOND check on me now to confirm my new credit status? Or will the first one be updated accordingly? Of course, I'd prefer them not to have done a second one given they already hit it once.