Since forever and ever (well, my recent memory, which is admittedly short), American Express Canada has always pulled Transunion when making a credit decision. This kind of sucked, because most other valuable Canadian creditors also pull Transunion, and this made the case of having excessive credit checks all too common.
I recently applied (for yet another) AMEX card [75,000 Membership Rewards points with the American Express Platinum Business card!], and to my surprise, they pulled my Equifax credit report. The same thing happened to my partner as well. For me, this is absolutely fantastic, because: (a) my Transunion bureau is riddled with credit checks, and AMEX is my most frequent creditor lately, so having them pull on Equifax reduced the impact on my Transunion bureau, and; (b) in my experience, when there’s a problem, Equifax is much easier to work with.
I don’t know if this is a one-off, but there’s nothing “special” on my Transunion report that would have AMEX pull Equifax. Anybody else with a similar experience? What do you think?