- Jul 21, 2004
I am really curious as to how credit card companies get infomation on us. I sent away for the free www.mycreditfile.com.au report from Baycorp. There was practically nothing on it at all. Only that I have applied for 3 credit cards and it gave the names of the issuers who requested information from Baycorp about me. Everything else had a 0 next to it. How in the world would Amex have looked at that and decided to only give me $3500 credit? I was expecting a detailed report like monthly expenditure, how quickly I pay, stuff like that. Does Amex have access to a better report that we don't get?