I never even thought about the TL reporting to an AU's credit reports. I've just been looking at Amex's products, the Gold would be a perfect fit for our business as that what I've had when I've worked at a similar small business. I just don't know if I would be accepted as I've been rebuilding my credit lately and my scores are only around 651. In any case, I wouldn't be able to apply as the Amex online form says the business legal name cannot begin with a number, which ours does!