Does Experian take American Express?

Answered by Jeremy Urbaniak

Experian, one of the major credit reporting agencies, does not directly take American Express as a form of payment for their services. When you sign up for credit monitoring or other services with Experian, you will typically be asked to provide a credit or debit card from Visa, Mastercard, Discover, or American Express. However, while American Express is accepted as a form of payment for many purchases and services, it is not specifically accepted by Experian.

That being said, it is important to note that Experian does not require payment upfront for many of their services. They offer free credit reports through their website, and you can also sign up for free credit monitoring services. These services may have certain limitations or additional features available for a fee, but you can still access basic credit information without needing to provide payment information.

If you do choose to sign up for a paid service with Experian, such as their credit monitoring or identity theft protection plans, you will need to provide a valid credit or debit card. While American Express may not be accepted directly by Experian, you can still use a Visa, Mastercard, or Discover card to pay for these services.

It’s also worth mentioning that American Express often offers its cardholders access to their credit scores and credit monitoring services for free. Many American Express credit cards come with complimentary access to their “MyCredit Guide” service, which provides credit score information and credit monitoring alerts. This can be a convenient alternative to signing up for paid services with Experian or other credit monitoring companies.

While Experian does not directly accept American Express as a form of payment, you can still access many of their services for free without needing to provide payment information. If you do choose to sign up for a paid service, you will need to use a Visa, Mastercard, or Discover card, as American Express is not accepted by Experian.