Amex almost always pulls Experian. I had a 687 but also had 2 years of history with the Zync prior to applying. Utilization was non-existant because I had no other cards other than my Zync at the time of applying.
In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
